| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK | 201 WOLFS LANE PELHAM, NY 10803 | EMPIRE HEALTHCHOICE ASSURANCE INC | $96K | — | $96K | 4.17% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N PALM AVE., #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE INC | — | $560 | $560 | 0.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | SOLSTICE HEALTH INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| GUTMANS INSURANCE BROKERAGE INC3 Filed as: GUTMANS INSURANCE BROKERAGE | 1066 EAST 2ND ST. BROOKLYN, NY 11230 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN RD., STE. 120S MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $521 | — | $521 | 5.00% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC | 190 | $2.3M |
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 327 | $114K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 190 | $2.3M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $10K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 135 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.