| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CHARLES J NEWMAN CO LLC3 Filed as: THE CHARLES J NEWMAN CO, LLC | 906 SOUTH ST PEEKSKILL, NY 10566 | OXFORD HEALTH INSURANCE,INC | $34K | — | $34K | 2.66% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY, LTD | 370 LEXINGTON AVE STE 703 NEW YORK, NY 10017 | OXFORD HEALTH INSURANCE,INC | $0 | $20K | $20K | 1.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVC | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE,INC | — | $2K | $2K | 0.15% |
| CARECONNECT INSURANCE AGENCY INC3 | 2200 NORTHERN BLVD EAST HILLS, NY 11548 | OXFORD HEALTH INSURANCE,INC | — | $75 | $75 | 0.01% |
| ANGARD ISHAR3 | 23 LINCOLN ROAD GREAT NECK, NY 11021 | METROPOLITAN LIFE INSURANCE COMPANY | $111 | — | $111 | 0.74% |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE,INC | 293 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $15K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.