| 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. | $55K | $0 | $55K | 2.62% |
| 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 | $4K | $238 | $5K | 5.27% |
| MJM GLOBAL INSURANCE BROKERAGE3 | 25 ROCKWOOD PL, STE 210 ENGLEWOOD, NJ 07631 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | $0 | $2K | 4.76% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 SMITHTOWN, NY 11788 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $598 | $0 | $598 | 5.00% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 159 | $2.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 140 | $89K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 222 | $12K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 272 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.