| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY EAST-STE 215 FAIRFIELD, CT 06824 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $133K | — | $133K | 3.75% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 15 JAMES T -BOX 239 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $23K | $23K | 0.64% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1375 CORPORATE BENEFIT ADV-STE 215 FAIRFIELD, CT 06824 | DELTA DENTAL OF NEW YORK | $10K | — | $10K | 5.82% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 5.91% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | DELTA DENTAL OF NEW YORK | $461 | — | $461 | 1.09% |
| INTERCITY AGENCY3 Filed as: INTERCITY AGENCY INC. | 1983 MARCUS AVENUE, SUITE 100 LAKE SUCCESS, NY 11042 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $1K | — | $1K | 9.06% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 15 JAMES T BOX 239 FLORHAM PARK, NJ 07932 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | — | $635 | $635 | 4.97% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BEN-DBA 360 CBA | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | EYE MED | $653 | — | $653 | 7.23% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP-DBA 360 CBA | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | EYE MED | $172 | — | $172 | 1.90% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | EYE MED | $79 | — | $79 | 0.87% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 711 | $3.5M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 441 | $213K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 711 | $3.5M |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 343 | $13K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 711 | $3.5M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 343 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.