| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1883 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | UNUM | $16K | — | $16K | 2.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK | 1883 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $7K | $13K | 5.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 80926 | SUN LIFE AND HEALTH INSURANCE COMPANY | $8K | — | $8K | 6.67% |
| EMERSON REID LLC3 | 225 BROADHOLLOW RD., STE. 302 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 5.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK | 198 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | EYEMED VISION CARE | $2K | — | $2K | 9.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RAMPART BENEFIT PLANNING BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | $111K |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC EIN 36-4197088 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $72K |
| EMPIRE BLUE CROSS BLUE SHIELD EIN 23-7391136 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $47K |
| CIGNA RX ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | P.O. BOX 8500 K 110 PHILADELPHIA, PA 19178 | $500 |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $254K |
| Vision | EYEMED VISION CARE | 405 | $20K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 341 | $127K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 341 | $127K |
| Stop-loss / reinsurancereinsurance | UNUM | 210 | $642K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 341 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.