| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL MANAGEMENT ASSOC3 | 538 BROADHOLLOW ROAD SUITE 311 MELVILLE, NY 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $83K | — | $83K | 2.16% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 Filed as: FMA EMPLOYEE BENEFIT CONSULTANTS IN | 19 CHESTNUT LANE WOODBURY, NY 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 0.46% |
| DONALD C SAVOY INC NJ3 | 258 HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.21% |
| FINANCIAL MANAGEMENT ASSOC3 Filed as: FINANCIAL MGMT ASSOCS LTD | 538 BROADHOLLOW ROAD SUITE 311 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 6.68% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 4.28% |
| FMA EMPLOYEE BENEFIT CONSULTANTS3 | 19 CHESTNUT LANE WOODBURY, NY 11797 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $481 | — | $481 | 0.78% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM, NY 07932 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $444 | $444 | 0.72% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $4K | 11.85% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD SUITE 220 FLORHAM PARK, NY 07932 | HARTFORD LIFE AND ACCIDENT | $819 | $560 | $1K | 4.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 EAST JACKSON SUITE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | — | $374 | $374 | 1.11% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $3.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $3.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 193 | $34K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 156 | $62K |
| Other | HARTFORD LIFE AND ACCIDENT | 193 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.