| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | OXFORD HEALTH INSURANCE, INC. | $93K | — | $93K | 0.39% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL OF NEW YORK, INC. | $21K | — | $21K | 3.00% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL OF NEW YORK, INC. | $7K | — | $7K | 4.09% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FOOR NEW YORK, NY 10004 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
| LETERMAN GORTZ CORP3 | 350 BEDFORD STREET SUITE 407 STAMFORD, CT 06901 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | — | $6K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.41% |
| LETERMAN GORTZ CORP3 | 350 BEDFORD STREET SUITE 407 STAMFORD, CT 06901 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 5.00% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TRANSAMERICA INSURANCE CO. | $656 | — | $656 | 5.50% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $525 | — | $525 | 4.40% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STERLING LIFE | $1K | — | $1K | 12.39% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | STERLING LIFE | $98 | — | $98 | 1.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $478 | — | $478 | 5.45% |
| LETERMAN GORTZ CORP3 | 350 BEDFORD STREET SUITE 407 STAMFORD, CT 06901 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $20 | — | $20 | 4.99% |
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 | 1,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 115 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | OXFORD HEALTH INSURANCE, INC. | 2,911 | $23.8M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK, INC. | 1,509 | $867K |
| Vision | VISION SERVICE PLAN | 991 | $119K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,231 | $38K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,269 | $111K |
| Prescription drug | STERLING LIFE | 4 | $9K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 54 | $401 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,911 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.