| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVE NEW YORK, NY 10016 | AETNA LIFE INSURANCE COMPANY | $158K | $0 | $158K | 4.04% |
| WIZDOMTREE BENEFIT SOLUTIONS3 | STE 100 68 S SERVICE RD MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.20% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | STE 320 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PW 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 600 3RD AVE FL 3 NEW YORK, NY 100161919 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | $0 | $48K | 38.42% |
| LIDAC EMPLOYEE BENEFIT SOLUTION3 Filed as: LIDAC EMPLOYEE BENEFIT SOLUTION LLC | 1010 NORTHERN BLVD SUITE 324 GREAT NECK, NY 11021 | SHELTERPOINT LIFE | $8K | $0 | $8K | 7.89% |
| WIZDOMTREE BENEFIT SOLUTIONS3 | STE 100 68 S SERVICE RD MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | STE 320 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PW 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| WIZDOMTREE BENEFIT SOLUTIONS3 | STE 100 68 S SERVICE RD MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | STE 320 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PW 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 328 | $4.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 328 | $4.0M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 328 | $4.0M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 276 | $194K |
| Short-term disability(3 contracts, 2 carriers) | SHELTERPOINT LIFE | 270 | $163K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 276 | $171K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 276 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.