| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNRTY RD, STE 200 GARDEN CITY, NY 115301758 | EMBLEM HEALTH | $135K | — | $135K | 4.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | EMBLEM HEALTH | — | $68K | $68K | 2.00% |
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY RD GARDEN CITY, NY 115301758 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 9.17% |
| ACRISURE LLC3 | 370 OLD COUNTRY RD GARDEN CITY, NY 11530 | COMPANION LIFE INSURANCE COMPANY | $217 | — | $217 | 0.83% |
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY RD GARDEN CITY, NY 115301758 | MUTUAL OF OMAHA INSURANCE COMPANY | $440 | — | $440 | 15.00% |
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY RD GARDEN CITY, NY 115301758 | MUTUAL OF OMAHA INSURANCE COMPANY | $174 | — | $174 | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROMINIS MEDICAL SERVICES EIN 20-1410754 NONE | Other services; Direct payment from the plan Service code 49 | — | $64K |
| RHINA MATA EIN 11-2548572 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| JAMES R GRISI, LLC EIN 83-2921602 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $43K |
| SCHULTHEIS & PANETTIERI EIN 13-1577780 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| TIAA, FSB EIN 59-3531592 NONE | Custodial (securities); Investment management; Investment management fees paid directly by plan Service code 19 | — | $30K |
| SELE-DENT INC. EIN 11-3310187 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $26K |
| FEDERATION PENSION BUREAU INC. EIN 13-1787163 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $18K |
| DANIEL H. COOK & ASSOCIATES, INC. EIN 11-2424843 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $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 | 819 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 372 | $3.4M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 326 | $26K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 14 | $3K |
| Prescription drug | EMBLEM HEALTH | 372 | $3.4M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 326 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
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.