| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM BLUE CROSS | $158K | $4K | $162K | 5.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $9K | $7K | $16K | 16.20% |
| MICHELLE EASTON3 | 168 ELMWOOD STREET VALLEY STREAM, NY 11581 | AFLAC | $219 | $0 | $219 | 7.36% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES AND OTHER AGENT | 2 PARK AVENUE, 20TH FLOOR NEW YORK, NY 10016 | AFLAC | $126 | $0 | $126 | 4.24% |
| USI INSURANCE SERVICES LLC3 | 600 3RD AVENUE, 3RD FLOOR NEW YORK, NY 10016 | AFLAC | $95 | $0 | $95 | 3.19% |
| BEAUTIFUL BENEFITS, INC.3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $51 | $0 | $51 | 1.71% |
| JAIME M. BAUM3 | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $48 | $0 | $48 | 1.61% |
| TAMIKA M OXFORD3 Filed as: TAMIKA M. OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $35 | $0 | $35 | 1.18% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $35 | $0 | $35 | 1.18% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 335 | $3.1M |
| Dental | ANTHEM BLUE CROSS | 335 | $3.1M |
| Vision | ANTHEM BLUE CROSS | 335 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 335 | $3.2M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 335 | $3.2M |
| Prescription drug | ANTHEM BLUE CROSS | 335 | $3.1M |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS | 335 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
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.