| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $129K | $12K | $141K | 4.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $10K | $5K | $14K | 11.79% |
| MICHELLE EASTON3 | 168 ELMWOOD STREET VALLEY STREAM, NY 11581 | AFLAC | $477 | $12 | $489 | 13.53% |
| TAMIKA M OXFORD3 Filed as: TAMIKA M. OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $89 | $3 | $92 | 2.55% |
| JAMIE M BAUM3 Filed as: JAMIE M. BAUM | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $52 | $0 | $52 | 1.44% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $43 | $0 | $43 | 1.19% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $39 | $0 | $39 | 1.08% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H. MARKOWITZ AND OTHER AGENTS | 21996 SW TIVOLO WAY PORT ST LUCIE, FL 34986 | AFLAC | $32 | $3 | $35 | 0.97% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 PARK AVENUE, 20TH FLOOR NEW YORK, NY 10016 | AFLAC | $30 | $0 | $30 | 0.83% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 296 | $3.4M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 296 | $3.4M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 296 | $3.4M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 169 | $123K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 169 | $123K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 296 | $3.4M |
| Other(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 296 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.