| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | EMBLEMHEALTH | $104K | $0 | $104K | 3.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCS | UNKNOWN NEW YORK, NY 10013 | EMBLEMHEALTH | $69K | $0 | $69K | 2.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $18K | $0 | $18K | 10.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $10K | $10K | 5.98% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS GROUP INC | 1 INTERNATIONAL BOULEVARD MAHWAH, NJ 07495 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $160 | $0 | $160 | 0.09% |
| INTREPID3 Filed as: INTREPID BENEFITS INC | 1900 GRANT STREET, SUITE 650 DENVER, CO 80203 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $0 | $0 | 0.00% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC | 8055 EAST TUFTS AVENUE, SUITE 1230 DENVER, CO 80237 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $0 | $0 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2710 MEDIA CENTER DRIVE, BUILDING 6 SUITE 120 LOS ANGELES, CA 90065 | STANDARD OF NEW YORK | $7K | $0 | $7K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD OF NEW YORK | $3K | $0 | $3K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | ONE BLUE HILL PLAZA 12TH FLOOR PEARL RIVER, NY 10965 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD OF NEW YORK | $1K | — | $1K | 19.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | STANDARD OF NEW YORK | $578 | $0 | $578 | 10.00% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 281 | $3.6M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 281 | $172K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 281 | $172K |
| Life insurance(2 contracts) | STANDARD OF NEW YORK | 147 | $74K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $15K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 281 | $3.6M |
| Other(3 contracts, 2 carriers) | STANDARD OF NEW YORK | 1,040 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,040 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.