| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PERRY AND CARROLL INC.3 Filed as: PERRY & CARROLL INC | 100 WEST CHURCH ST ELMIRA, NY 14902 | MVP HEALTH CARE | $55K | — | $55K | 3.25% |
| PERRY AND CARROLL INC.3 Filed as: PERRY & CARROLL INC | 100 WEST CHURCH ST ELMIRA, NY 14902 | MVP HEALTH CARE | $6K | — | $6K | 4.00% |
| PERRY AND CARROLL INC.3 Filed as: PERRY & CARROLL INC | 100 WEST CHURCH ST ELMIRA, NY 14902 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $3K | — | $3K | 8.51% |
| NANCY WAHLSTROM3 | 11327 SYMONDS RD PRATTSBURGH, NY 14873 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $945 | — | $945 | 3.05% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | MVP HEALTH CARE | 164 | $1.8M |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 98 | $31K |
| Prescription drug(2 contracts) | MVP HEALTH CARE | 164 | $1.8M |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 4 | $402 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
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.