| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NJ 10803 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $134K | — | $134K | 3.78% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY EAST-STE 215 FAIRFIELD, CT 06824 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $195 | — | $195 | 0.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | DELTA DENTAL OF NEW YORK | $12K | — | $12K | 7.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 6.91% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT, INC. | 1 WOLFS LANE PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $602 | $602 | 1.46% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT, INC. | 1 WOLFS LANE PELHAM, NY 10803 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $790 | $790 | 2.58% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | EYEMED VISION CARE | $1K | — | $1K | 8.05% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT | ONE WOLFS LANE PELHAM, NY 10803 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $1K | — | $1K | 8.84% |
| INTERCITY AGENCY3 Filed as: INTERCITY AGENCY INC. | 1983 MARCUS AVENUE, SUITE 100 LAKE SUCCESS, NY 11042 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $603 | — | $603 | 4.73% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD-SUITE 220 FLORHAM PARK, NJ 07932 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | — | $335 | $335 | 2.63% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 699 | $3.6M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 432 | $228K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 699 | $3.6M |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 322 | $13K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 109 | $41K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 144 | $31K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 699 | $3.6M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 322 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.