| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA UNIONDALE, NY 11556 | AETNA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 0.19% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS. AND FINANCIAL SVCS INC | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $0 | $25K | $25K | 0.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $9K | $0 | $9K | 1.38% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $6K | $6K | 0.87% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS. AND FINANCIAL SVCS INC | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 0.34% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 4,040 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,066 | $19.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,066 | $19.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,066 | $19.6M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 4,040 | $646K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 4,040 | $646K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 4,040 | $646K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 4,040 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,040 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.