| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A&B AGENCY3 | PO BOX 14105 ALBANY, NY 12212 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $85K | $0 | $85K | 2.30% |
| A&B AGENCY3 Filed as: A&B AGENCY INC | PO BOX 14105 ALBANY, NY 12212 | DELTA DENTAL OF NEW YORK | $13K | $0 | $13K | 5.00% |
| 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 | $5K | $5K | 5.00% |
| A&B AGENCY3 | PO BOX 14105 ALBANY, NY 12212 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 4.08% |
| A&B AGENCY3 Filed as: A&B AGENCY INC | PO BOX 14105 ALBANY, NY 122124105 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.39% |
| A&B AGENCY7 | PO BOX 14105 ALBANY, NY 12212 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 9.25% |
| REUBEN WARNER ASSOCIATES, INC.7 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 4.63% |
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 | 330 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 339 | $3.7M |
| Dental | DELTA DENTAL OF NEW YORK | 339 | $260K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 339 | $3.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 434 | $76K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 429 | $39K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 638 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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.