| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YISRAEL KUSHNER3 Filed as: YISRAEL A KUSHNER | 4 JAYS COURT CLOSTER, NJ 07624 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | $0 | $75K | 2.07% |
| LADMAR ASSOCIATES LLC3 | 1983 MARCUS AVENUE NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $78 | $0 | $78 | 0.00% |
| YISRAEL KUSHNER3 Filed as: YISRAEL A KUSHNER | 4 JAYS COURT CLOSTER, NJ 07624 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 2.00% |
| YISRAEL KUSHNER3 | 4 JAYS COURT CLOSTER, NJ 076241134 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 9.71% |
| YISRAEL KUSHNER3 | 4 JAYS COURT CLOSTER, NJ 076241134 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.72% |
| LADMAR ASSOCIATES LLC3 | 1983 MARCUS AVENUE NEW HYDE PARK, NY 110422000 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $61 | $61 | 0.20% |
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $3.6M |
| Dental | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 265 | $268K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $30K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 273 | $32K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $3.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.