| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS GROUP INC | ONE INTERNATIONAL BOULEVARD MAHWAH, NJ 07495 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $125K | $6K | $131K | 3.84% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 400 POST AVENUE WESTBURY, NY 11590 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $29K | $29K | 0.86% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | AETNA | $7K | $0 | $7K | 4.00% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FIN. SVCS GRP | ONE INTERNATIONAL BOULEVARD SUITE 340 MAHWAH, NJ 07495 | AETNA | $4K | $0 | $4K | 2.55% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS GROUP INC | PO BOX 1689 PEARL RIVER, NY 10965 | AETNA | $3K | $12 | $3K | 1.52% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS GROUP INC | PO BOX 1689 PEARL RIVER, NY 10965 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $52 | $52 | 0.04% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 281 | $3.4M |
| Dental | AETNA | 314 | $168K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 281 | $3.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $142K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $142K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 281 | $3.4M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 442 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.