| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY NEGRI | 10 ANDERSON ROAD POMONA, NY 10970 | EMBLEM HEALTH | $117K | — | $117K | 3.82% |
| BUCKINGHAM INSURANCE | 510 HYDE PARK DOYLESTOWN, PA 18902 | US FIRE INSURANCE | $55K | — | $55K | 15.00% |
| ANTHONY NEGRI | 10 ANDERSON ROAD POMONA, NY 10970 | LIBERTY MUTUAL UNDERWRITERS | $8K | — | $8K | 10.00% |
| BUCKHAM INSURANCE SERVICES | 510 HYDE PARK DOYLESTOW N, PA 18902 | LIBERTY MUTUAL UNDERWRITERS | $2K | — | $2K | 2.00% |
| ANTHONY NEGRI | 10 ANDERSON ROAD POMONA, NY 10970 | EMBLEM HEALTH - DENTAL | $2K | — | $2K | 8.00% |
| ANTHONY NEGRI | 10 ANDERSON ROAD POMONA, NY 10970 | MET LIFE | $2K | — | $2K | 9.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MSPC CPAS AND ADVISORS PC EIN 22-3951202 | Accounting (including auditing) Service code 10 | 340 NORTH AVENUE CRANFORD, NJ 070162496 | $23K |
| LAW OFFICES OF MICHAEL NEGRI EIN 22-3022579 | Legal Service code 29 | 3 EBERLING ROAD NEW CITY, NY 10956 | $18K |
| DAVID FALDA CPA EIN 13-3279763 | Accounting (including auditing) Service code 10 | 17 HOOVER AVE WEST ORANGE, NJ 07052 | $14K |
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 | 402 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 189 | $3.1M |
| Dental(2 contracts, 2 carriers) | EMBLEM HEALTH | 189 | $3.1M |
| Life insurance | MET LIFE | 174 | $17K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | US FIRE INSURANCE | 146 | $447K |
| Other | MET LIFE | 174 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.