| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A RUGGIERO CONSULTING INC3 | 21 CEDAR SWAMP RD SUITE B GLEN COVE, NY 11542 | HORIZON HEALTHCARE SERVICES, INC. | $169K | — | $169K | 2.76% |
| A RUGGIERO CONSULTING INC3 | 200 DUCK POND RD GLEN COVE, NY 115423755 | AETNA LIFE INSURANCE CO | $17K | — | $17K | 3.16% |
| A RUGGIERO CONSULTING INC3 | 200 DUCK POND RD GLEN COVE, NY 115423755 | METROPOLITAN LIFE | $6K | — | $6K | 4.55% |
| RUEBEN WARNER ASSOCIATES, INC.3 Filed as: RUEBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $635 | — | $635 | 20.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 320 W 57TH ST NEW YORK, NY 10019 | FEDERAL INSURANCE COMPANY | $476 | — | $476 | 15.00% |
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 | 625 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 594 | $6.1M |
| Dental | AETNA LIFE INSURANCE CO | 1,372 | $544K |
| Life insurance | METROPOLITAN LIFE | 791 | $127K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 594 | $6.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE | 791 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,372 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.