| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NETWORK ADMIN INSURANCE AGENCY INC3 | 4114 LEGATO RD SUITE 400 FAIRFAX, VA 22033 | OXFORD HEALTH INSURANCE, INC | $40K | $0 | $40K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC | $0 | $17K | $17K | 1.75% |
| OLYMPIC AGENCY INC3 Filed as: OLYMPIC AGENCY | PMB 370 1353 CARR 19 GUAYNABO, PR 00966 | MCS LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.88% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | 228 W CHELTEN AVE PHILADELPHIA, PA 19144 | MCS LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.98% |
| NETWORK ADMIN INSURANCE AGENCY INC3 | 4114 LEGATO RD SUITE 400 FAIRFAX, VA 22033 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 20.74% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC | 146 | $1.2M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 96 | $24K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 96 | $24K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 96 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.