| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISAACS FINANCIAL GROUP INC | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 8.21% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 2.59% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $41 | $4K | 5.35% |
| ISAACS FINANCIAL GROUP INC3 | 120 BROADWAY FL 9 NEW YORK, NY 10271 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.21% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| ISAACS FINANCIAL GROUP INC3 | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| ISAACS FINANCIAL GROUP INC3 | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 16.38% |
| ISSACS, LEONARD H3 | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 16.25% |
| ISAACS FINANCIAL GROUP INC3 | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 174 | $84K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 211 | $79K |
| Short-term disability(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 211 | $212K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 202 | $134K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 202 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.