| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A&B AGENCY3 | PO BOX 14105 ALBANY, NY 12212 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $126K | $0 | $126K | 2.07% |
| KEITH MACTAVISH3 Filed as: KEITH R MACTAVISH | PO BOX 14105 ALBANY, NY 12212 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $26K | $0 | $26K | 0.43% |
| KEITH MACTAVISH3 | 33 COUNTRY ROUTE 401 GREENVILLE, NY 12083 | DELTA DENTAL OF NEW YORK | $21K | $0 | $21K | 5.00% |
| A&B AGENCY3 Filed as: A&B AGENCY INC | PO BOX 14105 ALBANY, NY 122124105 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.03% |
| KEITH MACTAVISH3 | 33 COUNTRY ROUTE 401 GREENVILLE, NY 121845423 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.35% |
| A&B AGENCY3 | PO BOX 14105 ALBANY, NY 12212 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 7.22% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 5.00% |
| A&B AGENCY3 | PO BOX 14105 ALBANY, NY 12212 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 7.69% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 5.00% |
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 | 447 | 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) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 447 | $6.1M |
| Dental | DELTA DENTAL OF NEW YORK | 485 | $410K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 447 | $6.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 621 | $131K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 430 | $64K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 748 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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."
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.