| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL INC | 2975 WESTCHESTER AVENUE, SUITE 403 PURCHASE, NY 105772518 | UNITEDHEALTHCARE INSURANCE COMPANY | $113K | — | $113K | 0.86% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $184K | — | $184K | 2.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $9K | $62K | 11.71% |
| ASSUREDPARTNERS3 Filed as: BWD SPORTS & ENTERTAINMENT, LLC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | HOUSTON CASUALTY COMPANY | $54K | — | $54K | 15.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYE-MED VISION CARE) | $3K | — | $3K | 11.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLINGTON TRUST COMPANY, N.A. EIN 04-2755549 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $519K |
| GALLIARD CAPITAL MANAGEMENT, INC. EIN 41-1813702 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $74K |
| STATE STREET BANK AND TRUST COMPANY NONE | Investment management; Investment management fees paid directly by plan Service code 28 | ONE LINCOLN STREET, 8TH FLOOR BOSTON, MA 02111 | $69K |
| WELLS FARGO BANK, N.A. EIN 41-6257133 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $31K |
| LSV ASSET MANAGEMENT NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 155 N. WACKER DRIVE, SUITE 4600 CHICAGO, IL 60606 | $31K |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,237 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,261 | $23.6M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,055 | $9.4M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,143 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $526K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,055 | $9.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,261 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.