| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1883 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.35% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 80926 | SUN LIFE AND HEALTH COMPANY | $11K | $0 | $11K | 9.23% |
| EMERSON REID LLC3 | — | SUN LIFE AND HEALTH COMPANY | $7K | $0 | $7K | 6.10% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 198 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INS CO OF NEW YORK | $2K | $0 | $2K | 10.79% |
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 | 307 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $244K |
| Vision | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INS CO OF NEW YORK | 327 | $17K |
| Life insurance | SUN LIFE AND HEALTH COMPANY | 307 | $120K |
| Short-term disability | SUN LIFE AND HEALTH COMPANY | 307 | $120K |
| Other | SUN LIFE AND HEALTH COMPANY | 307 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.