| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERTICAL FOX LLC3 Filed as: VERTICAL FOX, LLC | 755 NEW YORK AVENUE, SUITE 220 HUNTIGTON, NY 11743 | HIP HEALTH PLAN OF NEW YORK | $73K | — | $73K | 1.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | OXFORD HEALTH INSURANCE, INC. | $8K | — | $8K | 1.43% |
| VERTICAL FOX LLC3 Filed as: VERTICAL FOX, LLC | 755 NEW YORK AVENUE, SUITE 220 HUNTINGTON, NY 11743 | OXFORD HEALTH INSURANCE, INC. | $8K | — | $8K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 5.87% |
| VERTICAL FOX LLC3 Filed as: VERTICAL FOX, LLC | 755 NEW YORK AVENUE, SUITE 220 HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 3.71% |
| VERTICAL FOX LLC3 Filed as: VERTICAL FOX, LLC | 755 NEW YORK AVENUE, SUITE 220 HUNTINGTON, NY 11743 | EMPIRE HEALTHCHOICE HMO, INC. | $3K | — | $3K | 1.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 700 BROADWAY DENVER, CO 80273 | EMPIRE HEALTHCHOICE HMO, INC. | $2K | — | $2K | 0.79% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIP HEALTH PLAN OF NEW YORK | 747 | $5.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 852 | $261K |
| Prescription drug(3 contracts, 3 carriers) | HIP HEALTH PLAN OF NEW YORK | 747 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.