| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH | 300 CORPORATE PARKWAY AMHERST, NY 14226 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| PREMIER BENEFIT PLANS INC Filed as: PREMIER BENEFIT PLANS, INC. | 35 PINELAWN ROAD MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 NONE | Contract Administrator Service code 13 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $96K |
| PREMIER BENEFIT PLANS EIN 11-3293819 NONE | Insurance agents and brokers Service code 22 | 35 PINELAWN ROAD MELVILLE, NY 11747 | $46K |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 178 | $53K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 178 | $53K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 178 | $145K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 178 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.