| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC WELLNESS & INS MANAGEMENT3 Filed as: A STRATEGIC WELLNESS & INSURANCE | 15 PARK PLACE SUITE 3 BRONXVILLE, NY 10708 | UNITEDHEALTHCARE INSURANCE COMPANY | $654K | — | $654K | 3.83% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $6K | $22K | $28K | 7.87% |
| STRATEGIC WELLNESS & INS MANAGEMENT3 Filed as: STRATEGIC WELLNESS & INSURANCE MGMT | 15 PARK PLACE SUITE 3 BRONXVILLE, NY 10708 | UNITEDHEALTHCARE | $8K | — | $8K | 3.29% |
| 7 SWIMLN CORP3 | — | NEW BENEFITS, LIMITED | $4K | — | $4K | 32.80% |
| MARC RODRIGUEZ3 | 449 WEST 44TH STREET NEW YORK, NY 10036 | LEGALSHIELD | $879 | — | $879 | 17.54% |
| A SECURE YOU INC3 Filed as: A SECURE YOU INC. | 346 REIST STREET WILLIAMSVILLE, NY 14221 | LEGALSHIELD | $529 | — | $529 | 10.56% |
| AUSTIN H SOARES3 | 260 TOWER AVENUE HARTFORD, CT 06120 | LEGALSHIELD | $163 | — | $163 | 3.25% |
| TONYA M MACK3 | 5023 WEST QUINCY STREET CHICAGO, IL 60644 | LEGALSHIELD | $98 | — | $98 | 1.96% |
| KACY LAVENDER3 | 2516 RUSTY SPUR LEANDER, TX 78641 | LEGALSHIELD | $65 | — | $65 | 1.30% |
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 | 1,640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,649 | $17.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,649 | $17.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,649 | $17.0M |
| Life insurance | UNITEDHEALTHCARE | 1,640 | $255K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,246 | $362K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,246 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,649 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.