| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISSACS, LEONARD H | P.O. BX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 6.41% |
| ISAACS FINANCIAL GROUP INC3 | P.O. BX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.78% |
| ISAACS FINANCIAL GROUP INC | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 12.53% |
| ISSACS, LEONARD H | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $443 | — | $443 | 4.50% |
| ISAACS FINANCIAL GROUP INC | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $828 | — | $828 | 12.28% |
| ISSACS, LEONARD H3 | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $384 | — | $384 | 5.69% |
| ISSACS, LEONARD H3 | P.O BOX 188 HARTSDALE, NY 10530 | DELTA DENTAL OF NEW YORK | — | — | $0 | — |
| ISAACS FINANCIAL GROUP INC3 | P.O BOX 188 HARTSDALE, NY 10530 | DELTA DENTAL OF NEW YORK | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE, CO EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $213K |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 146 | $0 |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 205 | $61K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 205 | $61K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 15 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.