| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLINGRISK / STERLING AND STERLIN | 135 CROSSWAYS PARK DRIVE, SUITE 300 PO BOX 9017 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $95K | $0 | $95K | 3.99% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING | UNKNOWN NEW YORK, NY 10019 | DELTA DENTAL OF NEW YORK | $14K | $0 | $14K | 10.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLINGRISK / STERLING AND STERLIN | 135 CROSSWAYS PARK DRIVE, SUITE 300 PO BOX 9017 WOODBURY, NY 11797 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | $0 | $2K | 10.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 14.93% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $82 | $82 | 0.67% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 355 | $2.4M |
| Dental(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 355 | $2.5M |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 320 | $18K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 289 | $12K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 355 | $2.4M |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 289 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.