| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY SCHENECTADY ROAD LATHAM, NY 122102424 | MVP HEALTH CARE | $18K | — | $18K | 2.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | MVP HEALTH CARE | $17K | — | $17K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 784 TROY SCHENECTADY ROAD LATHAM, NY 122102424 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 3.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 6 TOWER PLACE ALBANY, NY 12203 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 1.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 784 TROY SCHENECTADY ROAD LATHAM, NY 122102424 | MVP HEALTH CARE | $3K | — | $3K | 2.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | MVP HEALTH CARE | $3K | — | $3K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 784 TROY SCHENECTARY ROAD LATHAM, NY 122102424 | UNUM LIFE INSURANCE COMPANY | $568 | — | $568 | 7.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 6 TOWER PLACE ALBANY, NY 12203 | UNUM LIFE INSURANCE COMPANY | $340 | $20 | $360 | 5.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY | $0 | $56 | $56 | 0.79% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MVP HEALTH CARE | 128 | $949K |
| Dental | DELTA DENTAL OF NEW YORK | 128 | $176K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 112 | $7K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 112 | $7K |
| Other | UNUM LIFE INSURANCE COMPANY | 112 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.