| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAC CREATIVE PLAN SOLUTIONS3 | 21 CLARK PLACE, SUITE 1A MAHOPAC, NY 10541 | MVP HEALTH CARE | $29K | $0 | $29K | 3.22% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | MVP HEALTH CARE | $12K | $0 | $12K | 1.33% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY NEW YORK, NY 10007 | MVP HEALTH CARE | $8K | $0 | $8K | 0.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.60% |
| MAC CREATIVE PLAN SOLUTIONS3 | 52 JENNIFER LANE MAHOPAC FALLS, NY 10541 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.84% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY SERVICES INC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.58% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | AETNA LIFE INSURANCE COMPANY | $1K | $902 | $2K | 1.12% |
| MAC CREATIVE PLANS SOLUTIONS CORP3 | 21 CLARK PLACE, SUITE 1A MAHOPAC, NY 10541 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $518 | $0 | $518 | 5.92% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY NEW YORK, NY 10007 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $214 | $0 | $214 | 2.45% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVENUE BUFFALO, NY 14202 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $122 | $0 | $122 | 1.40% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 200 | $886K |
| Dental | AETNA LIFE INSURANCE COMPANY | 222 | $182K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | 116 | $9K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 222 | $182K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 222 | $182K |
| Prescription drug | MVP HEALTH CARE | 200 | $886K |
| Other | AETNA LIFE INSURANCE COMPANY | 222 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.