| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $81K | — | $81K | 4.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 0.83% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | EMBLEMHEALTH | $30K | — | $30K | 3.79% |
| SAUL FISHER3 | 390 BERRY STREET 4TH FLOOR BROOKLYN, NY 11249 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $18K | — | $18K | 6.70% |
| MARTIN BLAU3 | 1667 56TH STREET BROOKLYN, NY 11204 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $18K | — | $18K | 6.70% |
| JN SAVASTA CORP3 Filed as: J. N. SAVASTA CORP. | 1350 BROADWAY ROOM 410 NEW YORK, NY 10018 | DENTCARE DELIVERY SYSTEMS | $33K | — | $33K | 12.34% |
| DISABILITY RMS3 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 04106 | NEW YORK LIFE INSURANCE COMPANY | — | $23K | $23K | 15.00% |
| FISHER, SAUL3 | 390 BERRY STREET 4TH FLOOR BROOKLYN, NY 11249 | NEW YORK LIFE INSURANCE COMPANY | $11K | — | $11K | 7.49% |
| BLAU, MARTIN3 | 1672 51ST STREET BROOKLYN, NY 11204 | NEW YORK LIFE INSURANCE COMPANY | $11K | — | $11K | 7.49% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| RISK STRATEGIES COMPANY3 Filed as: TSG FINANCIAL-RISK-STRATEGIES | 900 STEWART AVENUE SUITE 505 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.33% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 900 STEWART AVENUE SUITE 505 GARDEN CITY, NY 11530 | SOLSTICE HEALTH INSURANCE COMPANY | $6K | — | $6K | 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 | 2,625 | 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) | 2,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $2.8M |
| Dental(2 contracts, 2 carriers) | DENTCARE DELIVERY SYSTEMS | 1,456 | $405K |
| Vision | SOLSTICE HEALTH INSURANCE COMPANY | 1,089 | $50K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 2,523 | $426K |
| Other(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 2,523 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,523 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.