| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK | 1055 RXR PLAZA UNIONDALE, NY 11556 | BERKLEY LIFE AND HEALTH INSURANCE CO. | $28K | — | $28K | 5.12% |
| HIB GROUP OF NEW YORK LLC3 | 1055 RXR PLAZA UNIONDALE, NY 11556 | SUN LIFE AND HEALTH INSURANCE COMPANY | $765 | — | $765 | 9.55% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ UNIONDALE, NY 11556 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $222 | $251 | $473 | 21.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ASSISTANCE COMPANY EIN 55-0715869 BENEFIT ADMIN | Participant communication; Claims processing; Contract Administrator Service code 12 | — | $95K |
| HILB GROUP OF NEW YORK BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1055 RXR PLAZA UNIONDALE, NY 11556 | $49K |
| CIGNA EIN 59-1031071 UTILIZATION REVIEW | Contract Administrator; Claims processing Service code 12 | — | $18K |
| CALL-A-DOC EIN 59-2884658 TELEHEALTH | Contract Administrator; Claims processing Service code 12 | — | $5K |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 134 | $10K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 168 | $541K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 134 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.