| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A&B AGENCY3 | PO BOX 14105 ALBANY, NY 12212 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $136K | $0 | $136K | 3.29% |
| A&B AGENCY3 Filed as: A&B AGENCY INC | PO BOX 14105 ALBANY, NY 12212 | DELTA DENTAL OF NEW YORK | $16K | $0 | $16K | 5.00% |
| A&B AGENCY3 Filed as: A&B AGENCY INC | PO BOX 14105 ALBANY, NY 122124105 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.92% |
| A&B AGENCY3 | PO BOX 14105 ALBANY, NY 12212 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 5.85% |
| 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 | $3K | $3K | 4.94% |
| A&B AGENCY3 | PO BOX 14105 ALBANY, NY 12212 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 8.72% |
| 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 | $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 | 338 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 337 | $4.1M |
| Dental | DELTA DENTAL OF NEW YORK | 347 | $316K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 337 | $4.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 440 | $90K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 417 | $49K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
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.