| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE ST C130 LAKE SUCCESS, NY 11042 | GUARDIAN | $16K | $7K | $23K | 16.27% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILE, TN 37204 | FIRST UNUM LIFE INSURANCE CO | $13K | $1K | $15K | 10.55% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE ST C130 LAKE SUCCESS, NY 11042 | FIRST UNUM LIFE INSURANCE CO | $13K | — | $13K | 9.05% |
| PORTNOY, EVAN, SCOTT3 | 1983 MARCUS AVE ST C130 LAKE SUCCESS, NY 11042 | FIRST UNUM LIFE INSURANCE CO | $43 | — | $43 | 0.03% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE ST C130 LAKE SUCCESS, NY 11042 | FIRST UNUM LIFE INSURANCE CO | $17K | $1K | $18K | 15.94% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE ST C130 LAKE SUCCESS, NY 11042 | FIDELITY SECURITY LIFE INSURANCE CO OF NY | $12K | — | $12K | 15.11% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO. | $16K | $2K | $17K | 23.17% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE ST C130 LAKE SUCCESS, NY 11042 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO. | $6K | — | $6K | 8.39% |
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 | 980 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 980 | $143K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO OF NY | 966 | $81K |
| Life insurance | GUARDIAN | 980 | $143K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE CO | 558 | $213K |
| Long-term disability | FIRST UNUM LIFE INSURANCE CO | 99 | $110K |
| Other | GUARDIAN | 980 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.