| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | $0 | $71K | 5.53% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $22K | $22K | 1.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.40% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, IL 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.88% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $949 | $4K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $803 | $0 | $803 | 0.92% |
| MICHAEL PONTILLO3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | EQUITABLE | $8K | $0 | $8K | 9.52% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | EQUITABLE | $0 | $3K | $3K | 3.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | EQUITABLE | $2K | $0 | $2K | 3.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $417 | $2K | 6.70% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $941 | $0 | $941 | 3.35% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 169 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $87K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $87K |
| Life insurance | EQUITABLE | 180 | $79K |
| Short-term disability | EQUITABLE | 180 | $79K |
| Long-term disability | EQUITABLE | 180 | $79K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 169 | $1.3M |
| Other(2 contracts, 2 carriers) | EQUITABLE | 180 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
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.