| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH Filed as: MERITAIN HEALTH, INC. | 1405 XENIUM LANE NORTH, SUITE 140 MINNEAPOLIS, MN 55441 | NATIONWIDE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| PREMIER BENEFITS PLANS INC Filed as: PREMIER BENEFITS PLANS, INC. | 35 PINELAWN ROAD, SUITE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMIER BENEFIT PLANS EIN 11-3293819 | Insurance agents and brokers Service code 22 | 35 PINELAWN ROAD MELVILLE, NY 11747 | $86K |
| MERITAIN HEALTH EIN 16-1264154 | Contract Administrator Service code 13 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $40K |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 182 | $55K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 182 | $55K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 138 | $84K |
| Other | COMPANION LIFE INSURANCE COMPANY | 182 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.