| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 | 3333 NEW HYDE PARK RD NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $396K | $0 | $396K | 4.34% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NC 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $116K | $0 | $116K | 1.27% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD STE 400 NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1K | $0 | -$1K | -0.01% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $9K | $19K | 5.59% |
| FOUNDATION RISK PARTNERS CORP3 | 3333 NEW HYDE PARK RD STE 400 NEW HYDE PARK, NY 110421205 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $5K | $17K | 4.87% |
| GENATT V LLC3 | 3333 NEW HYDE PARK RD, STE 400 NEW HYDE PARK, NY 110421205 | PRINCIPAL LIFE INSURANCE COMPANY | $857 | $166 | $1K | 0.30% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP LLC | 3333 NEW HYDE PARK RD NEW HYDE PARK, NY 11042 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.85% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.95% |
| GENATT V LLC3 | 3333 NEW HYDE PARK ROAD NEW HYDE PARK, NY 11042 | AETNA LIFE INSURANCE COMPANY | $887 | $0 | $887 | 0.93% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.74% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 3333 NEW HYDE PARK RD STE 400 NEW HYDE PARK, NY 11042 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.05% |
| KSL ASSOCIATES3 | 3333 NEW HYDE PARK RD FL 4 NEW HYDE PARK, NY 11042 | VISION SERVICE PLAN | $364 | $0 | $364 | 0.90% |
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 | 1,543 | 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) | 1,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,036 | $9.1M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,713 | $436K |
| Vision | VISION SERVICE PLAN | 414 | $41K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,713 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,713 | — |
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.