| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | $48K | — | $48K | 3.02% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC - GA | 1000 WOODBURY ROAD SUITE 403, 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | — | $13K | $13K | 0.81% |
| HZEZ, LLC3 Filed as: HZEZ LLC | 300 GARDEN CITY PLAZA SUITE 252 GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC. | $8K | — | $8K | 0.53% |
| SRN SERVICES INC3 | 300 GARDEN CITY PLAZA SUITE 252 GARDEN CITY, NY 11530 | OXFORD HEALTH INSURANCE, INC. | $8K | — | $8K | 0.53% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.97% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 3.22% |
| SRN SERVICES INC3 | 300 GARDEN CITY PLAZA SUITE 252 GARDEN CITY, NY 11530 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $980 | — | $980 | 0.87% |
| HZEZ, LLC3 Filed as: HZEZ LLC | 300 GARDEN CITY PLAZA SUITE 252 GARDEN CITY, NY 11530 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $980 | — | $980 | 0.87% |
| BENEFIT CONSULTANT3 | 400 INTERSTATE NORTH PARKWAY SUITE 600 ATLANTA, GA 30339 | EXCESS RE | — | $43K | $43K | 92.25% |
| DAVID RISPLER3 Filed as: DAVID B RISPLER | 35 KERI WAY WOODBURY, NY 11797 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 11.18% |
| THE DBL CENTER LTD3 | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | — | $815 | $815 | 5.00% |
| HOWARD ZODICOFF3 Filed as: HOWARD S ZODICOFF | 300 GARDEN CITY PLAZA SUITE 252 GARDEN CITY, NY 11530 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $304 | — | $304 | 1.87% |
| SRN SERVICES INC3 | 300 GARDEN CITY PLAZA GARDEN CITY, NY 11530 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $303 | — | $303 | 1.86% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 192 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $113K |
| Long-term disability | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 62 | $16K |
| Stop-loss / reinsurancereinsurance | EXCESS RE | 60 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.