| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADALSAN INC3 | 50 JERICHO TURNPIKE, SUITE 110 JERICHO, NY 11753 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.65% |
| ADALSAN INC3 | 50 JERICHO TURNPIKE, SUITE 110 JERICHO, NY 11753 | EMPIRE HEALTH CHOICE ASSURANCE INC. | $13K | — | $13K | 3.79% |
| ADALSAN INC3 | 50 JERICHO TURNPIKE, SUITE 110 JERICHO, NY 11753 | SUNLIFE AND HEALTH INSURANCE CO (US) | $592 | — | $592 | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $77K |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTH CHOICE ASSURANCE INC. | 89 | $341K |
| Vision | EMPIRE HEALTH CHOICE ASSURANCE INC. | 89 | $341K |
| Life insurance | SUNLIFE AND HEALTH INSURANCE CO (US) | 107 | $8K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 98 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.