| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARALLI INSURANCE AGENCY INC. Filed as: CARALLI INSURANCE AGENCY, INC. | 8969 SHOAL CREEK LANE BOYNTON BEACH, FL 33472 | HORIZON HEALTHCARE SERVICES, INC. | $32K | $0 | $32K | 1.66% |
| CARALLI INSURANCE AGENCY INC.3 Filed as: CARALLI INSURANCE AGENCY, INC. | 8969 SHOAL CREEK LN BOYNTON, FL 33472 | METROPOLITAN LIFE INSURANCE CO. | $5K | $0 | $5K | 2.80% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A. GOLDSTEIN | 1133 WESTCHESTER AVE, STE 5-221 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE CO. | $4K | $0 | $4K | 8.83% |
| CARALLI INSURANCE AGENCY INC.3 Filed as: CARALLI INSURANCE AGENCY, INC. | 245 MAIN STREET, STE 100 WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | $0 | $2K | 5.04% |
| CARALLI INSURANCE AGENCY INC.3 Filed as: CARALLI INSURANCE AGENCY, INC. | 245 MAIN STREET, STE 100 WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | $0 | $1K | 3.31% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A. GOLDSTEIN | 1133 WESTCHESTER AVE, STE 5-221 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | $0 | $1K | 3.31% |
| CARALLI INSURANCE AGENCY INC.3 | 245 MAIN STREET, STE 100 WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | $0 | $2K | 5.19% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A. GOLDSTEIN | 1133 WESTCHESTER AVE, STE 5-221 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | $0 | $2K | 5.19% |
| CARALLI INSURANCE AGENCY INC.3 Filed as: CARALLI INSURANCE AGENCY, INC. | 245 MAIN STREET, STE 100 WHITE PLAINS, NY 10601 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | $0 | $1K | 4.25% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A. GOLDSTEIN | 1133 WESTCHESTER AVE, STE 5-221 WHITE PLAINS, NY 10604 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | $0 | $1K | 4.25% |
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 | 318 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 161 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE CO. | 309 | $183K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO. | 318 | $81K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 185 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 244 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.