| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 4.14% |
| BENEFITMALL3 Filed as: BENEFITMALL NY | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $16K | $16K | 1.44% |
| DOUGLAS FARKOUH3 | 47 OLDFIELD ROAD ROSLYN, NY 11576 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 5.08% |
| DJN ASSOCIATES, INC.3 | 400 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 4.16% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $473 | $0 | $473 | 1.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $158 | $158 | 0.42% |
| DOUGLAS FARKOUH3 | 47 OLDFIELD ROAD ROSLYN, NY 11576 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $2K | $0 | $2K | 10.26% |
| DJN ASSOCIATES, INC.3 | 400 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $2K | $0 | $2K | 8.39% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $1K | $1K | 4.73% |
| BENEFITMALL3 Filed as: BENEFITMALL NY | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $213 | $579 | $792 | 7.75% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INS. AND FIN. SERVICES, INC. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $490 | $0 | $490 | 4.80% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $47 | $0 | $47 | 0.46% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $1.1M |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 163 | $23K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 9 | $10K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 154 | $38K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $1.1M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 163 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.