| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNRTY RD GARDEN CITY, NY 115301758 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $91K | — | $91K | 2.50% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $10K | $10K | 0.29% |
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY RD GARDEN CITY, NY 115301758 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 9.81% |
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY RD GARDEN CITY, NY 115301758 | MUTUAL OF OMAHA INSURANCE COMPANY | $366 | — | $366 | 15.00% |
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY RD GARDEN CITY, NY 115301758 | MUTUAL OF OMAHA INSURANCE COMPANY | $208 | — | $208 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROMINIS MEDICAL SERVICES PC EIN 20-1410754 NONE | Direct payment from the plan; Other services Service code 49 | — | $88K |
| JAMES R GRISI PC EIN 47-4672103 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $59K |
| DANIELA BLANCO EIN 11-2548572 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| MARIA CAPUTO HERNANDEZ EIN 11-2548572 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $28K |
| EILEEN KWIATKOWSKI EIN 11-2548572 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $28K |
| SELE-DENT INC EIN 11-3310187 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $26K |
| FEDERATION PENSION BUREAU EIN 13-1787163 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $18K |
| ARIA EMPLOYEE BENEFIT SERVICES INC EIN 46-0666987 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
| ATLANTIC TOMORROW'S OFFICE NONE | Direct payment from the plan; Consulting (general) Service code 16 | PO BOX 5149 WHITE PLAINS, NY 10602 | $7K |
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 | 912 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 603 | $3.6M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 603 | $3.6M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 270 | $31K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 11 | $2K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 603 | $3.6M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 270 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.