| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $85K | $5K | $90K | 3.87% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | SOLSTICE HEALTH INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.55% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN RD., STE. 120S MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GUTMANS INSURANCE BROKERAGE INC3 Filed as: GUTMANS INSURANCE BROKERAGE | 1066 EAST 2ND ST. BROOKLYN, NY 11230 | FIRST UNUM LIFE INSURANCE COMPANY | $998 | — | $998 | 10.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN RD., STE. 120S MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $499 | — | $499 | 5.00% |
| GUTMAN'S INS BROKERAGE INC3 Filed as: GUTMAN'S INSURANCE BROKERAGE | 1066 E 2ND ST., RM. 101 BROOKLYN, NY 11230 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $730 | — | $730 | 11.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN RD., STE. 120S MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $332 | — | $332 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | ANTHEM BLUE CROSS AND BLUE SHIELD | $9K | — | $9K | 168.58% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N PALM AVE., #114 FRESNO, CA 93704 | ANTHEM BLUE CROSS AND BLUE SHIELD | — | $515 | $515 | 9.62% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 199 | $2.3M |
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 142 | $129K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 160 | $5K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $17K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 28 | $32K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 141 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.