| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $19K | — | $19K | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | HARTFORD LIFE AND ACCIDENT | $40K | — | $40K | 10.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | EYEMED VISION CARE | $8K | — | $8K | 6.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | DELTA DENTAL OF NEW YORK, INC. | $4K | — | $4K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $843 | — | $843 | 9.20% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TRANSAMERICA INSURANCE CO. | $527 | — | $527 | 5.75% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXIR INSURANCE COMPANY | $320 | — | $320 | 5.51% |
| RONNIE GITLIN3 | HUB INTERNATIONAL NORTHEAST LIMITED 100 SUNRISE BLVD WOODBURY, NY 11797 | ELIXIR INSURANCE COMPANY | $190 | — | $190 | 3.27% |
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 | 1,357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 193 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMBLEM HEALTH | 22 | $65K |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK, INC. | 1,250 | $720K |
| Vision | EYEMED VISION CARE | 1,500 | $129K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,667 | $396K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,667 | $396K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,667 | $396K |
| Prescription drug(2 contracts, 2 carriers) | TRANSAMERICA INSURANCE CO. | 3 | $15K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,667 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,667 | — |
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.