| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | ANTHEM BLUE CROSS | $41K | $9K | $50K | 3.97% |
| DOUBLE EAGLE AGENCY, INC.3 | 372 WILLIS AVENUE MINEOLA, NY 11501 | ANTHEM BLUE CROSS | $27K | $9K | $36K | 2.88% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS | $0 | $15K | $15K | 1.17% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 4.19% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 300 CONNELL DRIVE, SUITE 3000 BERKELEY HEIGHTS, NY 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 3.96% |
| DOUBLE EAGLE AGENCY, INC.3 Filed as: DOUBLE EAGLE AGENCY | 372 WILLIS AVENUE MINEOLA, NY 11501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 2.79% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | EYEMED VISION CARE, FIDELITY SECURITY LIFE INS CO NY. | $1K | $0 | $1K | 9.99% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 118 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 112 | $85K |
| Vision | EYEMED VISION CARE, FIDELITY SECURITY LIFE INS CO NY. | 159 | $11K |
| Prescription drug | ANTHEM BLUE CROSS | 118 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.