| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEN C BENTSON AGENCY INC3 Filed as: ALLEN CBENSTON AGENCY INC | 653 FOREST AVE. STATEN ISLAND, NY 10310 | OXFORD HEALTH INSURANCE, INC. | $23K | — | $23K | 2.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK LLC | 653 FOREST AVE. STATEN ISLAND, NY 10310 | OXFORD HEALTH INSURANCE, INC. | $18K | — | $18K | 1.92% |
| FIDUCIARY INTERMEDIARY LTD3 | 354 EISENHOWER PKW., STE. 2850 LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE, INC. | — | $14K | $14K | 1.46% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE FILCO ACQUISITION GA | 354 EISENHOWER PKW., STE. 2850 LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE, INC. | — | $1K | $1K | 0.14% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE.C130 LAKE SUCCESS, NY 11042 | SOLSTICE HEALTH INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ALLEN C BENTSON AGENCY INC3 | 653 FOREST AVE. STATEN ISLAND, NY 10310 | UNITEDHEALTHCARE INSURANCE COMPANY | $970 | — | $970 | 14.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK LLC | 653 FOREST AVE STATEN ISLAND, NY 10310 | UNITEDHEALTHCARE INSURANCE COMPANY | $350 | — | $350 | 5.32% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVE., RM. 703 NEW YORK, NY 10017 | UNITEDHEALTHCARE INSURANCE COMPANY | $323 | — | $323 | 4.91% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 133 | $958K |
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 131 | $58K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
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.