| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 0.65% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $1K | $1K | 0.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $905 | $905 | 0.65% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $148 | $148 | 0.66% |
| M.M.G. AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $876 | — | $876 | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER | 250 PARK AVENUE 5TH FLOOR NEW YORK, NY 10177 | FEDERAL INSURANCE COMPANY | $876 | — | $876 | 15.00% |
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 | 937 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 1,518 | $723K |
| Vision | HM LIFE INSURANCE COMPANY | 1,338 | $68K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,089 | $148K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 936 | $138K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 936 | $231K |
| Other(3 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,048 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,518 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.