| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED COVERAGE GROUP3 Filed as: INTEGRATED COVERAGE GROUP INC | 20 HEMPSTEAD TPKE FARMINGDALE, NY 11735 | UNTIED HEALTCARE INSURANCE COMPANY | $79K | — | $79K | 4.00% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW RD 3FL MELVILLE, NY 11747 | UNTIED HEALTCARE INSURANCE COMPANY | — | $13K | $13K | 0.64% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW RD 3FL MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 8.94% |
| INTEGRATED COVERAGE GROUP3 Filed as: INTEGRATED COVERAGE GROUP INC | 20 HEMPSTEAD TPKE FARMINGDALE, NY 11735 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.66% |
| INTEGRATED COVERAGE GROUP3 | 2 BRAMBLE LANE MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 5.95% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $4K | $4K | 5.00% |
| INTEGRSTED COVERAGE GROUP3 | 2 BRAMBLE LANE MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 13.69% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| INTEGRATED COVERAGE GROUP3 | 2 BRAMBLE LANE MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $514 | — | $514 | 12.01% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $214 | $214 | 5.00% |
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 | 82 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNTIED HEALTCARE INSURANCE COMPANY | 142 | $2.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 156 | $93K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 156 | $93K |
| Other(3 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 82 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.