| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MICHAEL3 | UNKNOWN NEW YORK, NY 10023 | EMBLEMHEALTH | $7K | — | $7K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONUSLTING GROUP, INC. | 25 MELVILLE PARK ROAD, SUITE 260 MELVILLE, NY 11747 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $4K | — | $4K | 3.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD, SUITE 260 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $7K | $4K | $11K | 13.55% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | UNITEDHEALTHCARE INSURANCE COMPANY | $603 | — | $603 | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD, SUITE 260 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $479 | — | $479 | 4.43% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 245 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | 167 | $134K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | 167 | $145K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 256 | $80K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 256 | $80K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 245 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 256 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.