| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $92K | $3K | $95K | 3.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $46K | $46K | 1.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | -$54 | -$54 | -0.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | -$90 | -$90 | -0.00% |
| DAVID SOLOMONS3 | 140 BROADWAY, 46TH FLOOR NEW YORK, NY 10005 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | -$312 | $0 | -$312 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $11K | $3K | $14K | 9.58% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $10K | $10K | 6.58% |
| DAVID SOLOMONS3 | 140 BROADWAY, 46TH FLOOR NEW YORK, NY 10005 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $1K | $0 | $1K | 0.70% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $854 | $854 | 0.59% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $114 | $114 | 0.08% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 327 | $2.4M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 327 | $2.4M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 327 | $2.4M |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 246 | $146K |
| Short-term disability | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 246 | $146K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 246 | $146K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 327 | $2.4M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 246 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.