| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARECONNECT INSURANCE AGENCY INC3 | 2200 NORTHERN BLVD EAST HILLS, NY 11548 | OXFORD HEALTH INSURANCE, INC. | $0 | $75 | $75 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $12K | $12K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 15.00% |
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 | 7,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 769 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 158 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OXFORD HEALTH INSURANCE, INC. | 828 | $4.0M |
| Vision(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF NEW YORK (EYEMED) | 7,841 | $507K |
| Life insurance | AETNA LIFE INSURANCE CO. | 8,252 | $1.8M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 4,349 | $1.8M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 4,349 | $1.8M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN - CA | 486 | $4.2M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 38,000 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,000 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.