| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE, LLC | 800 WESTCHESTER AVE STE S-714 RYE BROOK, NY 10573 | HARTFORD LIFE AND ACCIDENT | $4K | $91 | $4K | 12.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC. | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | -$30 | $12 | -$18 | -0.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $215 | $2K | 11.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 MED,DEN,VIS,FSA,HRA,COBRA | Plan Administrator; Other services; Claims processing Service code 12 | — | $156K |
| ASSURED PARTNERS NE, LLC EIN 92-0444053 MED,DEN,VIS,FSA,HRA,COBRA | Consulting (general); Insurance agents and brokers Service code 16 | — | $76K |
| MULTIPLAN, INC. EIN 13-3068979 MED,DEN,VIS,FSA,HRA,COBRA | Plan Administrator; Claims processing; Other services Service code 12 | — | $49K |
| CIGNA EIN 59-1031071 MED,DEN,VIS,FSA,HRA,COBRA | Claims processing; Other services Service code 12 | — | $25K |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $18K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 161 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.