| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORMAN ZITOFSKY3 | 643 ELDER LANE RONKONKOMA, NY 11779 | EMPIRE HEALTH CHOICE ASSURANCE, INC | $25K | — | $25K | 4.22% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 90 KRIEGER LANE GLSTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $23K | — | $23K | 6.11% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN & ASSOCIATES | BUILDIING 4 SUITE 404 A 1800 ROUTE 34 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | — | $19K | 5.19% |
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 | 1,533 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTH CHOICE ASSURANCE, INC | 1,533 | $593K |
| Dental | EMPIRE HEALTH CHOICE ASSURANCE, INC | 1,533 | $593K |
| Vision | EMPIRE HEALTH CHOICE ASSURANCE, INC | 1,533 | $593K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,222 | $374K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,222 | $374K |
| Prescription drug | EMPIRE HEALTH CHOICE ASSURANCE, INC | 1,533 | $593K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTH CHOICE ASSURANCE, INC | 1,533 | $593K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 1,222 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,533 | — |
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.