| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | EMBLEM HEALTH INSURANCE | $274K | — | $274K | 2.85% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 2.64% |
| THE DBL CENTER LTD3 Filed as: THE DBL CENTER LTD. | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.21% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | SHELTERPOINT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.45% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 5.67% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | DAVIS VISION | $5K | — | $5K | 8.23% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS, INC. | 75 SOUTH BROADWAY, SUITE 415 WHITE PLAINS, NY 10601 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.76% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $455 | — | $455 | 1.24% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS, INC. | 75 S. BROADWAY, SUITE 415 WHITE PLAINS, NY 10601 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.25% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $765 | — | $765 | 2.20% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | SELE-DENT DISCOUNT DENTAL PLANS | $7K | — | $7K | 28.57% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $825 | — | $825 | 10.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $93 | — | $93 | 9.45% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | LEGAL CLUB OF AMERICA | $114 | — | $114 | 28.08% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD. HAUPPAUGE, NY 11788 | DELTA DENTAL OF NEW YORK, INC. | $24K | — | $24K | — |
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 | 1,901 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH INSURANCE | 774 | $9.6M |
| Dental(2 contracts, 2 carriers) | SELE-DENT DISCOUNT DENTAL PLANS | 1,794 | $26K |
| Vision | DAVIS VISION | 1,030 | $65K |
| Life insurance(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,086 | $219K |
| Short-term disability(2 contracts, 2 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 1,901 | $122K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,148 | $76K |
| Prescription drug | EMBLEM HEALTH INSURANCE | 774 | $9.6M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 4 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,901 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.