| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE R ROWLANDS3 | 6 TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $20K | $4K | $24K | 2.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEWYORK, INC | 800 WESTCHESTER AVENUE SUITE N311 RYE BROOK, NY 10573 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $7K | — | $7K | 0.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 800 WESTCHESTER AVENUE SUITE N311 RYE BROOK, NY 10573 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $3K | — | $3K | 5.00% |
| FRANK H REIS INC3 Filed as: FRANK H. REIS, INC. | PO BOX 3967 KINGSTON, NY 12402 | WESCO INSURANCE COMPANY | $2K | — | $2K | 17.11% |
| FRANK H REIS INC3 | PO BOX 3967 KINGSTON, NY 12402 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 15.00% |
| FRANK H REIS INC3 | PO BOX 3967 KINGSTON, NY 12402 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $818 | — | $818 | 12.71% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 90 | $1.0M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 98 | $62K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 126 | $6K |
| Short-term disability(2 contracts, 2 carriers) | WESCO INSURANCE COMPANY | 139 | $17K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 119 | $9K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 90 | $1.0M |
| Other(2 contracts, 2 carriers) | WESCO INSURANCE COMPANY | 139 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
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.
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.