| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, LLC | 135 CROSSWAYS PARK DR STE 300 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $101K | — | $101K | 3.91% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DR WOODBURY, NY 11797 | GUARDIAN | $4K | $4K | $8K | 5.82% |
| CDBI, INC.3 | 9 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 4.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, LLC | PO BOX 9017 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.59% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, LLC | PO BOX 9017 WOODBURY, NY 117979017 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $1K | $5K | 12.76% |
| ERC OF NY, INC.3 | NEW YORK NEW YORK, NY 10118 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $351 | — | $351 | 5.88% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, LLC | PO BOX 9017 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $532 | $147 | $679 | 12.76% |
| THE BROKER NETWORK INC.3 | 890 S. MATLACK STREET WEST CHESTER, PA 19382 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $406 | — | $406 | 15.00% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIR HUNT VALLEY, MD 21031 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $135 | — | $135 | 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 | 365 | $2.7M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 186 | $143K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 260 | $65K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 260 | $38K |
| Other(4 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 260 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.