| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL TAKATS INSURANCE AGENCY3 Filed as: RUSSELL TAKATS AGCY INC | 130 CHRIS LANE WEST ISLIP, NY 11795 | OXFORD HEALTH INSURANCE, INC. | $49K | $2K | $51K | 3.06% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. - GA | 1000 WOODBURY ROAD SUITE 403 4TH FL WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | — | $26K | $26K | 1.56% |
| RUSSELL TAKATS INSURANCE AGENCY3 Filed as: RUSSELL TAKATS AGCY INC | 130 CHRIS LANE WEST ISLIP, NY 11795 | EMBLEM HEALTH | $27K | — | $27K | 1.89% |
| RUSSELL TAKATS INSURANCE AGENCY3 Filed as: RUSSELL ANTHONY F INC. | 130 CHRIS LANE WEST ISLIP, NY 11795 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $13K | — | $13K | 9.91% |
| RUSSELL TAKATS INSURANCE AGENCY3 Filed as: RUSSELL ANTHONY F INC. | 130 CHRIS LANE WEST ISLIP, NY 11795 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
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 | 860 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 272 | $3.1M |
| Dental | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 302 | $127K |
| Vision | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 302 | $127K |
| Life insurance | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 115 | $21K |
| Prescription drug | EMBLEM HEALTH | 171 | $1.4M |
| Other | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 115 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.