| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY LEVINE & ASSOCIATES LIMITED3 | 445 BROADHOLLOW ROAD, SUITE 119 MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $43K | $0 | $43K | 3.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | ANTHEM BLUE CROSS | $0 | $24K | $24K | 1.84% |
| GARY LEVINE & ASSOCIATES LIMITED3 | 111 EXPRESS STREET PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING, LLC | 1099 EIGHTEENTH STREET, SUITE 2870 DENVER, CO 80202 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 200 PARK AVENUE, SUITE 3202 NEW YORK, NY 10166 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 223 | $1.3M |
| Dental | ANTHEM BLUE CROSS | 223 | $1.3M |
| Vision | ANTHEM BLUE CROSS | 223 | $1.3M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $73K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $73K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $73K |
| Prescription drug | ANTHEM BLUE CROSS | 223 | $1.3M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.