| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | OXFORD HEALTH INSURANCE INC | $58K | $0 | $58K | 4.06% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | OXFORD HEALTH INSURANCE INC | $0 | $10K | $10K | 0.69% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.23% |
| PROFESSIONAL PENSION INC.3 Filed as: PROFESSIONAL PENSION INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.98% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | MUTUAL OF OMAHA INSURANCE CO | $3K | $1K | $4K | 14.58% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE CO | $0 | $205 | $205 | 0.76% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | COMPANION LIFE INSURANCE CO | $3K | $1K | $4K | 14.64% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE CO | $0 | $194 | $194 | 0.77% |
| ERIC S BLUMENCRANZ3 | 31 KETTLEPONT ROAD JERICHO, NY 11753 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $837 | $0 | $837 | 9.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $315 | $315 | 3.52% |
| FOREST HILLS FINANCIAL GROUP3 | 11835 QUEENS BLVD SUITE 1230 FOREST HILLS, NY 11375 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84 | $0 | $84 | 0.94% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 3000 MARCUS AVENUE CB5028 NEW HYDE PARK, NY 11042 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $719 | $359 | $1K | 15.25% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC | 169 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 74 | $57K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 100 | $7K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE CO | 112 | $52K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 54 | $9K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE CO | 112 | $27K |
| Other | MUTUAL OF OMAHA INSURANCE CO | 112 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.