| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEWITT STERN GROUP PLANNING SERVICE3 Filed as: DEWITT STERN GROUP PLANNING SVCS | 420 LEXINGTON AVE. RM2720 NEW YORK, NY 10170 | OXFORD HEALTH PLANS | $40K | $5K | $45K | 3.22% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | OXFORD HEALTH PLANS | $16K | $0 | $16K | 1.12% |
| DEWITT STERN GROUP PLANNING SERVICE3 | 420 LEXINGTON AVE. RM2700 NEW YORK, NY 101702799 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.56% |
| EMERSON REID LLC3 | 669 RIVER DRIVE STE 305 ELMWOOD PARK, NJ 074071361 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 1.26% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 021101700 | UNITEDHEALTHCARE INSURANCE COMPANY | $365 | $0 | $365 | 0.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 420 LEXINGTON AVE. RM 2700 NEW YORK, NY 101702799 | VISION SERVICE PLAN | $835 | $0 | $835 | 6.30% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET. FL2 BOSTSON, MA 021101700 | VISION SERVICE PLAN | $31 | $0 | $31 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
| CORPCARE EIN 58-1961695 NONE | Contract Administrator; Claims processing Service code 12 | — | $9K |
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 | 163 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH PLANS | 244 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $96K |
| Vision | VISION SERVICE PLAN | 111 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.