| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC. | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC. | $173K | — | $173K | 3.01% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC. | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $5K | $5K | 5.05% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $7K | 14.36% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC. | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.96% |
| A SECURE YOU INC4 Filed as: A SECURE YOU INC. | 346 REIST STREET WILLIAMSVILLE, NY 14221 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $3K | — | $3K | 13.44% |
| PREMIER BENEFITS PLANS INC4 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $2K | — | $2K | 7.88% |
| DAVID SPANGLER JR.3 Filed as: DAVID SPANGLER, JR | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $75 | — | $75 | 0.34% |
| JACK SOARES II3 Filed as: JACK A. SOARES, II | P.O. BOX 1393 NEW BRITAIN, CT 06050 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $42 | — | $42 | 0.19% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.97% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.97% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $513 | $2K | 15.00% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC. | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $284 | $141 | $425 | 14.98% |
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 | 418 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 872 | $5.8M |
| Dental | CIGNA HEALTH AND LIFE COMPANY | 361 | $215K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $35K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 538 | $43K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 318 | $95K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 540 | $46K |
| Other(3 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | 538 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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."
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.