| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BODNER BENEFITS GROUP INC | 4 CYR CT NEW CITY, NY 10956 | EMBLEM HEALTH | $27K | — | $27K | 3.85% |
| BODNER BENEFITS GROUP INC Filed as: BODNER BENEFITS GROUP | 4 CYR CT NEW CITY, NY 10956 | DENTCARE | $5K | — | $5K | 12.88% |
| 21ST CENTURY VIRTUAL MARKETING GROU | 194 TOPLAND ROAD MAHOPAC, NY 10541 | SOLSTICE HEALTH INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| FNA INSURANCE SERVICES INC | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | GUARDIAN | $2K | — | $2K | 11.77% |
| FNA INSURANCE SERVICES INC | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | GUARDIAN | — | $368 | $368 | 2.35% |
| FNA INSURANCE SERVICES INC | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | GUARDIAN | $45 | — | $45 | 0.29% |
| ADAM KAUFMAN | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | GUARDIAN | $11 | — | $11 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MICHAEL PAGAN EIN 11-2691482 NONE | Employee (plan) Service code 30 | — | $267K |
| ERBA CONSULTING GROUP EIN 27-0977556 NONE | Consulting (general) Service code 16 | — | $72K |
| NICOLE CASSON EIN 11-2691482 NONE | Employee (plan) Service code 30 | — | $64K |
| CASTIGLIA LLP EIN 46-2725636 NONE | Accounting (including auditing) Service code 10 | — | $16K |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DENTCARE | 122 | $76K |
| Vision | GUARDIAN | 7 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.