| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 | 135 CROSSWAYS PARK DR STE 300 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $69K | $535 | $69K | 4.01% |
| STERLING AND STERLING, INC.3 | 2255 GLADES ROAD #324A BOCA RATON, FL 33431 | GUARDIAN | $4K | $6K | $10K | 7.99% |
| CDBI, INC.3 | 9 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 4.00% |
| STERLING AND STERLING, INC.3 | PO BOX 9017 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| STERLING AND STERLING, INC.3 | PO BOX 9017 WOODBURY, NY 117979017 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| STERLING AND STERLING, INC.3 | PO BOX 9017 WOODBURY, NY 117979017 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| STERLING AND STERLING, INC.3 | PO BOX 9017 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $454 | — | $454 | 10.01% |
| THE BROKER NETWORK INC.3 | 445 W DEER POINTE ROAD WEST CHESTER, PA 19382 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $535 | — | $535 | 15.00% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | STE 4500 HUNT VALLEY, MD 21031 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $178 | — | $178 | 4.99% |
| CDBI, INC.3 | 3000 ATRIUM WAY, SUITE 300 MOUNT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $26K | — | $26K | — |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 246 | $1.9M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 155 | $132K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 213 | $45K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 177 | $41K |
| Other(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 213 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.