| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYEBP.COM INC3 | 538 BROADHOLLOW ROAD MELVILLE, NY 11754 | AETNA LIFE INSURANCE CO. | $1.3M | — | $1.3M | 2.95% |
| MYEBP.COM INC3 Filed as: MYEBP COM INC | 538 BROADHOLLOW RAOD SUITE 311 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $2.3M | — | $2.3M | 12.52% |
| MYEBP.COM INC3 | 538 BROADHOLLOW ROAD SUITE 311 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $80K | $335K | $415K | 2.32% |
| MYEBP.COM INC3 | 538 BROADHOLLOW ROAD SUITE 311 MELVILLE, NY 11747 | METROPOLITAN GENERAL INSURANCE COMPANY | $50K | — | $50K | 13.91% |
| MYEBP.COM INC3 Filed as: MYEBP COM INC | 538 BROADHOLLOW ROAD SUITE 311 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 10.24% |
| MYEBP.COM INC3 Filed as: MYEBP COM INC | 538 BROADHOLLOW ROAD SUITE 311 MELVILLE, NY 11747 | SAFEGUARD HEALTH PLANS INC., A FLORIDA CORPORATION | $775 | — | $775 | 14.97% |
| MYEBP.COM INC3 Filed as: MYEBP COM INC | 538 BORADHOLLOW ROAD SUITE 311 MELVILLE, NY 11747 | SAFEGUARD HEALTH PLANS INC., A CALIFORNIA CORPORATION | $528 | — | $528 | 14.53% |
| MYEBP.COM INC3 | 538 BROADHOLLOW ROAD SUITE 311 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $819 | — | $819 | 26.72% |
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 | 18,985 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 391 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 296 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 10,364 | $61.3M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,878 | $18.5M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 10,364 | $18.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,878 | $18.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,878 | $18.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,878 | $18.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,878 | $18.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,878 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.