| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENATT V LLC3 | 3333 NEW HYDE PARK RD STE 400 NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $344K | $0 | $344K | 4.04% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NC 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $135K | $135K | 1.59% |
| FOUNDATION RISK PARTNERS CORP3 | 3333 NEW HYDE PARK RD NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 0.22% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD, STE 400 NEW HYDE PARK, NY 110421205 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $6K | $19K | 5.06% |
| EMERSON REID LLC3 | 350 5TH AVE. SUITE 3700 NEW YORK, NY 101183799 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $6K | $17K | 4.51% |
| GENATT V LLC3 | 3333 NEW HYDE PARK ROAD 4TH FLOOR, SUITE 4000 NEW HYDE PARK, NY 11042 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.66% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD., 2ND FLOOR HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.02% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.84% |
| KSL ASSOCIATES3 | 3333 NEW HYDE PARK RD FL 4 NEW HYDE PARK, NY 11042 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.16% |
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 | 1,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,135 | $8.5M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,689 | $484K |
| Vision | VISION SERVICE PLAN | 382 | $37K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,689 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,689 | — |
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.
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.