| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | EMBLEM HEALTH INSURANCE | $275K | — | $275K | 2.85% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.24% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 3.61% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | DAVIS VISION | $10K | — | $10K | 10.00% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 S BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $876 | — | $876 | 2.02% |
| 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 | $2K | — | $2K | 10.00% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS INC. | 75 SOUTH BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | TRANSAMERICA LIFE INSURANCE COMPANY | $415 | — | $415 | 3.23% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | TRANSAMERICA LIFE INSURANCE COMPANY | $99 | — | $99 | 0.77% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $67 | — | $67 | 9.42% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | DELTA DENTAL OF NEW YORK INC | $25K | — | $25K | — |
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 | 1,934 | 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) | 1,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH INSURANCE | 773 | $9.7M |
| Dental(2 contracts, 2 carriers) | SELE DENT DISCOUNT DENTAL PLANS | 1,529 | $25K |
| Vision | DAVIS VISION | 1,388 | $96K |
| Life insurance(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,314 | $207K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 115 | $43K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,809 | $101K |
| Prescription drug | EMBLEM HEALTH INSURANCE | 773 | $9.7M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 4 | $711 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,809 | — |
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.