| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 5.15% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD SUITE 303 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 1.08% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07649 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 20.63% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 16.88% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07649 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07649 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.08% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.91% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.66% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07649 | TRANSAMERICA LIFE INSURANCE COMPANY | $902 | — | $902 | 1.30% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07649 | TRANSAMERICA LIFE INSURANCE COMPANY | $865 | — | $865 | 1.24% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | TRANSAMERICA LIFE INSURANCE COMPANY | $738 | — | $738 | 1.06% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | TRANSAMERICA LIFE INSURANCE COMPANY | $708 | — | $708 | 1.02% |
| RONALD ROSENBERG3 | 1001 READS LANE C/O NATIONAL BENEFIT BROKERAGE LLC FAR ROCKAWAY, NY 11691 | METROPOLITAN LIFE INSURANCE COMPANY | $398 | — | $398 | 16.16% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 C/O DONNA NAGRI WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $132 | — | $132 | 5.36% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.69% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 35 | $571K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 35 | $571K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 35 | $571K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 123 | $72K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 47 | $70K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 123 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.