| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $52K | — | $52K | 1.24% |
| YOUR PFO CONSULTING LLC3 Filed as: YOUR PFO CONSULTING, LLC | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $42K | — | $42K | 1.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | — | $39K | $39K | 0.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES, INC. | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC. | $21K | — | $21K | 0.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $41 | $12K | 3.63% |
| YOUR PFO CONSULTING LLC3 | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 461 PANTIGO ROAD EAST HAMPTON, NY 119372647 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 6 TOWER PLACE ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.90% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $18K | $426 | $19K | 14.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | SUN LIFE AND HEALTH INSURANCE COMPANY | $8K | — | $8K | 8.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | $3K | $6K | 5.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | VISION SERVICE PLAN | $561 | — | $561 | 1.46% |
| YOUR PFO CONSULTING LLC3 Filed as: YOUR PFO CONSULTING, LLC | 1133 WESTCHESTER AVENUE SUITE N-136 WEST HARRISON, NY 10604 | VISION SERVICE PLAN | $545 | — | $545 | 1.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $413 | — | $413 | 1.08% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $9K | $926 | $10K | 33.73% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 646 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,033 | $320K |
| Vision | VISION SERVICE PLAN | 326 | $38K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 377 | $95K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 377 | $95K |
| Other(3 contracts, 2 carriers) | AFLAC | 377 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.