| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OMNI MANAGED HEALTH, INC.3 | 3877 FLATLANDS AVENUE BROOKLYN, NY 11234 | EMBLEM HEALTH | $82K | — | $82K | 3.52% |
| OMNI MANAGED HEALTH, INC.3 | 3877 FLATLANDS AVENUE BROOKLYN, NY 11234 | EMBLEM HEALTH | $68K | — | $68K | 3.56% |
| JOSEPH R. BOSNACK3 | 187 ADAMS WAY SAYVILLE, NY 11782 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $6K | $7K | 4.18% |
| ROBERT FEINER3 | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.26% |
| KATZ NASSAU AGENCY INC3 Filed as: KATZ NASSAU AGENCY INC. | 100 MERRICK RD SUITE 108 E ROCKVILLE CENTER, NY 11570 | PRINCIPAL LIFE INSURANCE COMPANY | $242 | $1K | $2K | 0.98% |
| OMNI MANAGED HEALTH, INC.3 | 3877 FLATLANDS AVENUE BROOKLYN, NY 11234 | EMBLEM HEALTH | $6K | — | $6K | 5.31% |
| ROBERT FEINER3 | 99 WEST HAWTHORNE AVENUE SUITE 500 VALLEY STREAM, NY 11580 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 5.39% |
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 | 882 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.