| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTER CITY AGENCY, INC.3 | 1983 MARCUS AVENUE, SUITE 100 LAKE SUCCESS, NY 11042 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $170K | — | $170K | 4.30% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY EAST-STE 215 FAIRFIELD, CT 06824 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $62K | — | $62K | 1.56% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | -$191 | $32K | $32K | 0.80% |
| INTER CITY AGENCY, INC.3 | 4240 BELL BOULEVARD, SUITE 103 BAYSIDE, NY 11361 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 3.35% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1375 CORPORATE BENEFIT ADV-STE 215 FAIRFIELD, CT 06824 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | 2.31% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 90 BROAD STREET, SUITE 801 NEW YORK, NY 10004 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 1.34% |
| INTER CITY AGENCY, INC.3 | 1983 MARCUS AVENUE, SUITE 100 LAKE SUCCESS, NY 11042 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 3.50% |
| LMBERT & CARNEY BENEFITS GROUP3 | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | DELTA DENTAL OF NEW YORK | $1K | — | $1K | 2.10% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 90 BROAD STREET, SUITE 801 NEW YORK, NY 10004 | DELTA DENTAL OF NEW YORK | $861 | — | $861 | 1.40% |
| INTER CITY AGENCY, INC.3 | 4240 BELL BOULEVARD, SUITE 103 BAYSIDE, NY 11361 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $1K | — | $1K | 9.24% |
| SAVOY ASSOCIATES3 | 258B HANOVER ROAD FLORHAM PARK, NJ 07932 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $513 | $171 | $684 | 4.63% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 694 | $3.9M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 368 | $235K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 694 | $3.9M |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 341 | $15K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 694 | $3.9M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 341 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
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.