| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTCHESTER BENEFIT GROUP3 | 500 SUMMIT LAKE DRIVE SUITE 120 VALHALLA, NY 105951340 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $56K | $9K | $65K | 4.66% |
| WESTCHESTER BENEFIT GROUP3 Filed as: WESTCHESTER BENEFIT GROUP INC. | 500 SUMMIT LAKE DRIVE SUITE 120 VALHALLA, NY 105951340 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $5K | $517 | $5K | 5.52% |
| MJM GLOBAL INSURANCE BROKERAGE3 | 25 ROCKWOOD PL, STE 210 ENGLEWOOD, NJ 07631 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $0 | $2K | 5.21% |
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 | 273 | 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. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 163 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 144 | $99K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 273 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.