| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | 2 RECTOR STREET 23RD FLOOR NEW YORK, NY 10006 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $50K | — | $50K | 1.58% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 1.02% |
| CAMMACK HEALTH LLC3 | P. O. BOX 419587 BOSTON, MA 02241 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $645 | $4K | 6.36% |
| CAMMACK HEALTH LLC3 | P.O. BOX 419587 BOSTON, MA 02241 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $268 | $4K | 10.59% |
| CAMMACK HEALTH LLC3 | P.O. BOX 419587 BOSTON, MA 02241 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $652 | $44 | $696 | 10.67% |
| CAMMACK HEALTH LLC3 | P.O. BOX 419587 BOSTON, MA 02241 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $438 | $39 | $477 | 10.90% |
| CAMMACK HEALTH LLC3 | P.O. BOX 419587 BOSTON, MA 02241 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $157 | $7 | $164 | 10.43% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 398 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 212 | $248K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 398 | $3.1M |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 308 | $63K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 308 | $41K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 308 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.