| 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 | EMBLEM HEALTH | $120K | — | $120K | 3.85% |
| OMNI MANAGED HEALTH, INC.3 Filed as: OMNI MANAGED HEALTH INC. | 3021 AVENUE J BROOKLYN, NY 11210 | EMPIRE HEALTHCHOICE HMO, INC. | $11K | — | $11K | 1.05% |
| CORNELL INSURANCE SERVICES LLC3 | 105 FIELDCREST AENUE SUITE 104 EDISON, NJ 08837 | OXFORD HEALTH INSURANCE INC. | $12K | — | $12K | 2.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - GFI | 261 MADISON AVE FLOOR 6 NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE INC. | $12K | — | $12K | 2.10% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | OXFORD HEALTH INSURANCE INC. | — | $7K | $7K | 1.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | AETNA | $12K | — | $12K | 4.93% |
| AHF GROUP BENEFITS LTD3 | 3023 AVENUE J BROOKLYN, NY 11210 | AETNA | $10K | — | $10K | 3.94% |
| GA SOLUTIONS LLC3 | 50 BROADWAY 2ND FL HAWTHORNE, NY 10532 | HARTFORD LIFE AND ACCIDENT | $9K | $7K | $15K | 11.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | GUARDIAN | $10K | — | $10K | 9.00% |
| 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 | $250 | — | $250 | 12.02% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMBLEM HEALTH | 398 | $4.7M |
| Dental(2 contracts, 2 carriers) | AETNA | 406 | $369K |
| Vision(2 contracts) | SHELTERPOINT LIFE INSURANCE CO | 231 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 268 | $129K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 268 | $129K |
| Prescription drug | EMBLEM HEALTH | 318 | $3.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 268 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.