| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-PPA | 261 MADISON AVENUE FLOOR 5 NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC. | $111K | — | $111K | 3.37% |
| JAY A KANTROWITZ3 Filed as: JAY KANTROWITZ | 113 VILLAGE HILL DRIVE DIX HILLS, NY 11746 | OXFORD HEALTH INSURANCE, INC. | $21K | — | $21K | 0.64% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $388 | $388 | 0.01% |
| JAY A KANTROWITZ3 | 113 VILLAGE HILL DRIVE DIX HILLS, NY 11746 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.78% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVE SUITE 200 TINTON FALLS, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $221 | — | $221 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 261 MADISON AVENUE FLOOR 5 NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $303 | $4K | 4.77% |
| JAY A KANTROWITZ3 Filed as: JAY KANTROWITZ | 113 VILLAGE HILL DRIVE DIX HILLS, NY 11746 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.47% |
| PROFESSIONAL GROUP PL3 Filed as: PROFESSIONAL GROUP P | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.24% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 411 | $3.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $93K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $93K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $124K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $124K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 377 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.