| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | $0 | $67K | 5.97% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 2.06% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.82% |
| MICHAEL PONTILLO3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | EQUITABLE | $10K | $0 | $10K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN. INC. | PO BOX 9201 AUSTIN, TX 78766 | EQUITABLE | $0 | $3K | $3K | 4.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | $231 | $793 | 5.87% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | $0 | $562 | 4.16% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.42% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $517 | $213 | $730 | 5.89% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $890 | $0 | $890 | 10.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $371 | $154 | $525 | 5.93% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $90K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $90K |
| Life insurance | EQUITABLE | 222 | $69K |
| Short-term disability | EQUITABLE | 222 | $69K |
| Long-term disability | EQUITABLE | 222 | $69K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.1M |
| Other(4 contracts, 2 carriers) | EQUITABLE | 222 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.