| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL, INC. | 2975 WESTCHESTER AVENUE, STE 403 PURCHASE, NY 10577 | OXFORD HEALTH INSURANCE, INC. | $83K | — | $83K | 3.64% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $10K | $10K | 0.44% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY, LTD. | 370 LEXINGTON AVENUE, SUITE 703 NEW YORK, NY 10017 | OXFORD HEALTH INSURANCE, INC. | — | $9K | $9K | 0.40% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 669 RIVER DRIVE SUITE 305 CENTER II ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | $8K | — | $8K | 0.34% |
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL, INC. | 2975 WESTCHESTER AVENUE, STE 403 PURCHASE, NY 10577 | FIRST UNUM LIFE INSURANCE | $10K | — | $10K | 9.79% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE | $1K | — | $1K | 1.17% |
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL, INC. | 2975 WESTCHESTER AVENUE, STE 403 PURCHASE, NY 10577 | FIRST UNUM LIFE INSURANCE | $4K | — | $4K | 20.00% |
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL, INC. | 2975 WESTCHESTER AVENUE, STE 403 PURCHASE, NY 10577 | FIRST UNUM LIFE INSURANCE | $2K | — | $2K | 16.63% |
| MY BENEFIT ADVISOR LLC Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE | $488 | — | $488 | 3.37% |
| GA SOLUTIONS LLC3 | 370 LEXINGTON AVENUE, SUITE 703 NEW YORK, NY 10017 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $392 | $2K | 18.33% |
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL, INC. | 2975 WESTCHESTER AVENUE, STE 403 PURCHASE, NY 10577 | FIRST UNUM LIFE INSURANCE | $1K | — | $1K | 12.64% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE | $202 | — | $202 | 2.36% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 246 | $2.3M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $11K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE | 156 | $119K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE | 166 | $27K |
| Long-term disability | FIRST UNUM LIFE INSURANCE | 156 | $104K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE | 156 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.