| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | OXFORD HEALTH INSURANCE, INC. | $73K | $0 | $73K | 3.98% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INS. SERVICES, LLC | 50 BROADWAY HAWTHORNE, NY 10532 | OXFORD HEALTH INSURANCE, INC. | $0 | $12K | $12K | 0.64% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10532 | OXFORD HEALTH INSURANCE, INC. | $0 | $7K | $7K | 0.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | THE STANDARD INSURANCE COMPANY OF NEW YORK | $8K | $0 | $8K | 13.87% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE STANDARD INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 5.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURNACE COMPANY | $2K | $0 | $2K | 8.06% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURNACE COMPANY | $0 | $467 | $467 | 1.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $548 | $0 | $548 | 3.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $360 | $0 | $360 | 2.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $340 | $0 | $340 | 2.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $120 | $0 | $120 | 0.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $169 | $2K | 15.19% |
| NEW YORK RHB, LLC3 | 120 BROADWAY, 37TH FLOOR NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32 | $0 | $32 | 0.27% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 214 | $1.8M |
| Dental | METROPOLITAN LIFE INSURNACE COMPANY | 309 | $28K |
| Vision | EYEMED VISION CARE OF BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 162 | $14K |
| Life insurance | THE STANDARD INSURANCE COMPANY OF NEW YORK | 141 | $61K |
| Long-term disability | THE STANDARD INSURANCE COMPANY OF NEW YORK | 141 | $61K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 214 | $1.8M |
| Other(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY OF NEW YORK | 141 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.