| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED COVERAGE GROUP3 Filed as: INTEGRATED COVERAGE GROUP INC | 20 HEMPSTEAD TPKE FARMINGDALE, NY 09692 | UNITED HEALTHCARE INSURANCE COMPANY | $90K | — | $90K | 4.01% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 09267 | UNITED HEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.63% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.62% |
| INTEGRATED COVERAGE GROUP3 Filed as: INTEGRATED COVERAGE GROUP INC | 20 HEMPSTEAD TPKE FARMINGDALE, NY 11735 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.24% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $4K | $4K | 6.66% |
| INTEGRATED COVERAGE GROUP3 | 20 HEMPSTEAD TPKE FARMINGDALE, NY 11735 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 4.84% |
| INTEGRATED COVERAGE GROUP3 | 20 HEMPSTEAD TPKE FARMINGDALE, NY 11735 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 17.00% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD WOODBURY, NY 11797 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $1K | $1K | 6.61% |
| INTEGRATED COVERAGE GROUP3 | 20 HEMOSTEAD TPKE FARMINGDALE, NY 11735 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $557 | — | $557 | 15.95% |
| FNA INSURANCE SERVICES IN3 | 100 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $232 | $232 | 6.64% |
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 | 91 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 146 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $103K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $103K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 91 | $19K |
| Other(2 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 91 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.