| 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 | $92K | — | $92K | 2.09% |
| YISRAEL KUSHNER3 | 4 JAYS COURT CLOSTER, NJ 07624 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | — | $4K | 7.60% |
| YISRAEL KUSHNER3 | 4 JAYS COURT CLOSTER, NJ 07624 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 8.97% |
| YISRAEL KUSHNER3 | 4 JAYS COURT CLOSTER, NJ 07624 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| YISRAEL KUSHNER3 | 4 JAYS COURT CLOSTER, NJ 07624 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| YISRAEL KUSHNER3 | 4 JAYS COURT CLOSTER, NJ 07624 | MUTUAL OF OMAHA INSURANCE COMPANY | $462 | — | $462 | 10.00% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $4.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $4.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $4.4M |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 328 | $43K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 328 | $55K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 327 | $38K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 328 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.