| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BNEFIT ADVISOR, LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC. | $41K | — | $41K | 2.06% |
| C&C ADVISORS INC3 Filed as: C. C. BENEFITS, INC. | 200 RECTOR PLACE APRATMENT 2C NEW YORK, NY 10280 | OXFORD HEALTH INSURANCE, INC. | $28K | — | $28K | 1.40% |
| SHIMON KROLL3 | 7 WEST FESSLER DRIVE MONSEY, NY 10952 | OXFORD HEALTH INSURANCE, INC. | $20K | — | $20K | 1.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | — | $17K | $17K | 0.87% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $17K | $17K | 0.84% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $33K | — | $33K | 3.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | — | $13K | $13K | 1.30% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OXFORD HEALTH INSURANCE, INC. | 305 | $3.0M |
| Prescription drug(2 contracts) | OXFORD HEALTH INSURANCE, INC. | 305 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.