| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED COVERAGE GROUP3 Filed as: INTEGRATED COVERAGE GROUP INC | 20 HEMPSTEAD TPKE FARMINGDALE, NY 11735 | UNITED HEALTHCARE INSURANCE COMPANY | $87K | — | $87K | 4.00% |
| FNA INSURANCE SERVICES INC3 | 100 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNITED HEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 0.62% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 12.63% |
| INTEGRATED COVERAGE GROUP3 Filed as: INTEGRATED COVERAGE GROUP INC | 20 HEMPPSTEAD TPKE FARMINGDALE, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| INTEGRATED COVERAGE GROUP3 | 2 BRAMBLE LANE MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 8.74% |
| 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 | 5.88% |
| INTEGRATED COVERAGE GROUP3 | 2 BRAMBLE LANE MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 16.78% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD 4 FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 5.88% |
| INTEGRATED COVERAGE GROUP3 | 2 BRAMBLE LANE MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $468 | — | $468 | 14.12% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SRVICES INC | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $195 | $195 | 5.88% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 141 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 78 | $91K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 78 | $91K |
| Other(3 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 90 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
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.