| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMHIC0 Filed as: AMHIC, A RECIPROCAL ASSOCIATION | 1101 17TH STREET NW STE 300 WASHINGTON, DC 20036 | AMHIC, A RECIPROCAL ASSOCIATION | $36K | — | $36K | 1.58% |
| CORPORATE SYNERGIES GROUP LLC3 | STE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 1212 6TH AVE NEW YORK, NY 10036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.86% |
| YU GREGORY KAKIN3 Filed as: YU, GREGORY,KAKIN | 425 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.54% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMHIC, A RECIPROCAL ASSOCIATION | 260 | $2.3M |
| Dental | AMHIC, A RECIPROCAL ASSOCIATION | 260 | $2.3M |
| Vision | AMHIC, A RECIPROCAL ASSOCIATION | 260 | $2.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $112K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $112K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.