| 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. | $32K | — | $32K | 5.00% |
| THE HIB GROUP OF NEW YORK LLC3 Filed as: HIB GROUP OF NEW YORK LLC | 1055 RXR PLAZA UNIONDALE, NY 11556 | SUN LIFE AND HEALTH INSURANCE COMPANY | $926 | — | $926 | 11.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY | $112 | — | $112 | 1.37% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY. W, STE. 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $63 | $209 | $272 | 11.64% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ UNIONDALE, NY 11556 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $171 | $85 | $256 | 10.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP EIN 36-4197088 BENEFIT ADMIN | Participant communication; Claims processing; Contract Administrator Service code 12 | 18861 90TH AVE., STE. A MOKENA, IL 60448 | $66K |
| HILB GROUP OF NEW YORK BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1055 RXR PLAZA UNIONDALE, NY 11556 | $18K |
| CIGNA EIN 59-1031071 UTILIZATION REVIEW | Claims processing; Contract Administrator Service code 12 | — | $15K |
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 | 143 | 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) | 143 | 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 | 143 | $11K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 278 | $643K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 143 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.