| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&M FIRST SERVICES, INC.3 Filed as: C & M FIRST SERVICES INC | 1501 BROADWAY, SUITE 1506 NEW YORK, NY 10036 | OXFORD HEALTH INSURANCE, INC. | $510K | $0 | $510K | 3.21% |
| UNKNOWN3 | UNKNOWN JERSEY CITY, NJ 07310 | OXFORD HEALTH INSURANCE, INC. | $127K | $0 | $127K | 0.80% |
| EKA BROKERAGE SERVICES, INC.3 Filed as: EKA PLANNING SERVICES INC | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | UNION SECURITY INSURANCE COMPANY | $16K | $0 | $16K | 9.26% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD, SUITE 120 S MELVILLE, NY 11747 | UNION SECURITY INSURANCE COMPANY | $0 | $8K | $8K | 4.63% |
| ARISTA INVESTORS CORP3 Filed as: ARISTA INVESTORS CORPORATION | 15 MAIDEN LANE, SUITE 905 NEW YORK, NY 10038 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| EKA BROKERAGE SERVICES, INC.3 Filed as: EKA PLANNING SERVICES INC | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 9.48% |
| EKA BROKERAGE SERVICES, INC.3 Filed as: EKA PLANNING SERVICES INC | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 9.87% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD, SUITE 120 S MELVILLE, NY 11747 | UNION SECURITY INSURANCE COMPANY | $0 | $803 | $803 | 4.93% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 0 | $15.9M |
| Dental(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 144 | $211K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 301 | $24K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 0 | $15.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.