| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | 225 BROADHOLLOW ROAD, SUITE 302 MELVILLE, NY 11747 | UNITED HEALTHCARE | $111K | $0 | $111K | 3.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITED HEALTHCARE | $0 | $22K | $22K | 0.59% |
| MY BENEFIT ADVISOR LLC3 | 225 BROADHOLLOW ROAD, SUITE 302 MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $9K | $21K | 8.49% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 300 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.27% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE | $15K | $6K | $21K | 10.39% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 300 | $3.7M |
| Dental | GUARDIAN LIFE INSURANCE | 167 | $206K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 191 | $15K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 192 | $252K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 192 | $252K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 192 | $252K |
| Prescription drug | UNITED HEALTHCARE | 300 | $3.7M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 192 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.