| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | $0 | $68K | 5.09% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 1.62% |
| STEPHEN MICHAEL LOURO3 Filed as: STEPHEN LUORO | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 1.36% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | UNITEDHEALTHCARE INSURANCE COMPANY | $389 | $0 | $389 | 0.03% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $128 | $0 | $128 | 0.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 10.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $180 | $8K | 6.78% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 5.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $666 | $3K | 2.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $701 | $701 | 0.60% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $207 | $0 | $207 | 0.18% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTOWN, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 27.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 14.93% |
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 | 123 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $116K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $116K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 230 | $17K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 230 | $17K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 230 | $17K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
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.