| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | — | EMBLEMHEALTH | $232K | — | $232K | 4.39% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC BROKERAGE, INC | — | EMBLEMHEALTH | $33K | — | $33K | 0.62% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC - BOST | 160 FEDERAL STREET BOSTON, MA 02110 | OXFORD HEALTH INSURANCE, INC | $75K | — | $75K | 4.04% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | — | $18K | $18K | 0.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS / | 1133 WESTCHESTER AVENUE SUITE S-229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC | — | $14 | $14 | 0.00% |
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC | 261 MADISON AVENUE, 5TH FLOOR USI INSURANCE SERVICES, NORTHEAST R NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC | -$231 | — | -$231 | -0.01% |
| JN SAVASTA CORP3 Filed as: J. N. SAVASTA CORP. | 1350 BROADWAY ROOM 410 NEW YORK, NY 10018 | DENTCARE DELIVERY SYSTEMS | $40K | — | $40K | 9.05% |
| SAUL FISHER3 | 390 BERRY STREET 4TH FLOOR BROOKLYN, NY 11249 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $26K | — | $26K | 7.50% |
| MARTIN BLAU3 | 1667 56TH STREET BROOKLYN, NY 11204 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $26K | — | $26K | 7.50% |
| SAUL FISHER3 | 390 BERRY STREET 4TH FLOOR BROOKLYN, NY 11249 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $22K | — | $22K | 7.50% |
| MARTIN BLAU3 | 1667 56TH STREET BROOKLYN, NY 11204 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $22K | — | $22K | 7.50% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $5K | $19K | 10.79% |
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 | 2,192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 545 | $7.1M |
| Dental(2 contracts, 2 carriers) | DENTCARE DELIVERY SYSTEMS | 1,925 | $620K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 2,192 | $295K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 1,121 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,192 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.