| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | OXFORD HEALTH INSURANCE, INC. | $82K | — | $82K | 3.97% |
| CAMMACK HEALTH LLC3 | 199 WATER STREET 9TH FLOOR NEW YORK, NY 10038 | DELTA DENTAL OF NEW YORK | $8K | — | $8K | 5.00% |
| CAMMACK HEALTH LLC3 | 1 LIBERTY PLZ 165 BROADWAY, 31ST FLOOR NEW YORK, NY 10006 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $8K | — | $8K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST FL 2 BOSTON, MA 02110 | VISION SERVICE PLAN | $36 | — | $36 | 0.30% |
| CAMMACK HEALTH LLC3 | P.O. BOX 419587 BOSTON, MA 02241 | VISION SERVICE PLAN | $817 | — | $817 | 7.04% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 218 | $2.1M |
| Dental | DELTA DENTAL OF NEW YORK | 168 | $157K |
| Vision(2 contracts) | VISION SERVICE PLAN | 170 | $23K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 170 | $53K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 170 | $53K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 170 | $53K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 170 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.