| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE, SUITE 225 NEW YORK, NY 11530 | AETNA | — | $5K | $5K | 4.71% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE, SUITE 210 GARDEN CITY, NY 11530 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 6.38% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $9K | 16.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEM HWY STE 210N HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $2K | — | $2K | 12.41% |
| THE MEDICAL LINK LLC3 | 1305 FRANKLIN AVE, SUITE 225 NEW YORK, NY 11530 | MERITAN HEALTH | — | $66K | $66K | — |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAN HEALTH | 155 | $0 |
| Dental | AETNA | 158 | $104K |
| Vision | VISION SERVICE PLAN | 150 | $13K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 191 | $54K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 361 | $78K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 191 | $54K |
| Prescription drug | RXBENEFITS, INC. | 159 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $588K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 191 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.