| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMNI MANAGED HEALTH, INC.3 Filed as: OMNI MANAGED HEALTH INC. | 3021 AVENUE J BROOKLYN, NY 11210 | EMPIRE HEALTHCHOICE HMO, INC. | $15K | — | $15K | 0.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | EMPIRE HEALTHCHOICE HMO, INC. | $6K | — | $6K | 0.08% |
| OMNI MANAGED HEALTH, INC.3 Filed as: OMNI MANAGED HEALTH INC | 3021 AVENUE J BROOKLYN, NY 11210 | EMBLEM HEALTH | $96K | — | $96K | 3.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 4851 LBJ FWY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $10K | $10K | 3.97% |
| AHF GROUP BENEFITS LTD3 | 3023 AVENUE J BROOKLYN, NY 11210 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 1.99% |
| ALEX HERSKOVICH3 | 1213 EAST 31 STREET BROOKLYN, NY 11210 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $5K | — | $5K | 1.99% |
| GA SOLUTIONS LLC3 | 50 BROADWAY 2ND FL HAWTHORNE, NY 10532 | HARTFORD LIFE AND ACCIDENT | $8K | $7K | $16K | 12.76% |
| TOTALBEN LLC3 | 1374 E 28TH ST BROOKLYN, NY 11210 | SHELTERPOINT LIFE INSURANCE CO | $5K | — | $5K | 12.00% |
| TOTALBEN LLC3 | 1374 EAST 28TH ST BROOKLYN, NY 11210 | SHELTERPOINT LIFE INSURANCE CO | $339 | — | $339 | 12.00% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 376 | $9.7M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 210 | $244K |
| Vision(2 contracts) | SHELTERPOINT LIFE INSURANCE CO | 243 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 285 | $123K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 285 | $123K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 376 | $9.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 285 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.