| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E BENEFITSOLUTION INC3 | 214-04 NORTHERN BOULEFARD BAYSIDE, NY 11361 | OXFORD HEALTH INSURANCE, INC. | $68K | — | $68K | 2.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $46K | $46K | 1.72% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $7K | $7K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 3.41% |
| E BENEFIT SOLUTION INC3 Filed as: E BENEFIT SOLUTION, INC. | 21704 NORTHERN BOULEVARD BAYSIDE, NY 11361 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.17% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25 HANOVER ROAD B, SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $537 | $269 | $806 | 3.73% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPAY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $182 | $55 | $237 | 1.10% |
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 | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 632 | $2.7M |
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 139 | $136K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $22K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 632 | $2.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.