| 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 | 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 | $606 | $4K | 13.35% |
| 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% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVE., STE 3700 NEW YORK, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $444 | $444 | 1.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | ANTHEM BLUE CROSS | $1K | — | $1K | 10.16% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N PALM AVE., #114 FRESNO, CA 93704 | ANTHEM BLUE CROSS | — | $526 | $526 | 5.08% |
| 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 | $1K | — | $1K | 10.91% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN RD., STE. 120S MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $516 | $255 | $771 | 7.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Other services Service code 12 | — | $137K |
| HILB GROUP OF NY LLC BROKER | Insurance agents and brokers Service code 22 | 1983 MARCUS AVE. STE. C130 LAKE SUCCESS, NY 11042 | $109K |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 303 | $127K |
| Vision | ANTHEM BLUE CROSS | 139 | $10K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $10K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 28 | $32K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 145 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.