| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS ARNEL3 | 224 WEST 35 STREET NEW YORK, NY 10001 | OXFORD HEALTH INSURANCE INC. | $46K | — | $46K | 2.62% |
| INTEGRATED COVERAGE GROUP3 Filed as: INTEGRATED COVERAGE GROUP INC | 111 EXPRESS STREET PLAINVIEW, NY 11803 | OXFORD HEALTH INSURANCE INC. | $26K | — | $26K | 1.46% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC -GA | 1000 WOODBURY ROAD SUITE 403, 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE INC. | — | $15K | $15K | 0.86% |
| ARNEL, ROSS3 | SUITE 1402 224 WEST 35 STREET NEW YORK, NY 10001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 4.68% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 3.97% |
| INTEGRATED COVERAGE GROUP3 | 111 EXPRESS STREET PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 3.26% |
| ROSS ARNEL3 | SUITE 1402 224 WEST 35 STREET NEW YORK, NY 10001 | PRIDENTIAL | $3K | — | $3K | 3.64% |
| GREGG KNEPPER3 | 20 HEMPSTEAD TPK FARMINGDALE, NY 11746 | PRIDENTIAL | $566 | — | $566 | 0.64% |
| ARNEL, ROSS3 Filed as: ARNEL , ROSS | 224 WEST 35 STRET STE 1402 NEW YORK, NY 10001 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.02% |
| INTERGRATED COVERAGE GROUP3 | 20 HEMPSTEAD TPK FARMINGDALE, NY 11735 | FIRST UNUM LIFE INSURANCE COMPANY | $710 | — | $710 | 1.66% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $710 | — | $710 | 1.66% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC. | 0 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $102K |
| Life insurance | PRIDENTIAL | 104 | $88K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 116 | $43K |
| Other | PRIDENTIAL | 104 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.