| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLD SKY BENEFITS LLC3 Filed as: GOLD SKY BENEFITS, LLC | 214 25 42ND AVENUE BAYSIDE, NY 11361 | EMPIRE BLUE CROSS BLUE SHIELD | $56K | $0 | $56K | 3.67% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | EMPIRE BLUE CROSS BLUE SHIELD | $0 | $43K | $43K | 2.85% |
| GFI INSURANCE BROKERAGE3 | UNKNOWN NEW YORK, NY 10022 | EMPIRE BLUE CROSS BLUE SHIELD | $0 | $10K | $10K | 0.64% |
| GOLD SKY BENEFITS LLC3 Filed as: GOLD SKY BENEFITS, LLC | 36-01 30TH AVENUE ASTORIA, NY 11103 | AXA EQUITABLE LIFE INSURANCE COMPANY | -$103 | $0 | -$103 | -0.10% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE BLUE CROSS BLUE SHIELD | 367 | $1.5M |
| Dental | AXA EQUITABLE LIFE INSURANCE COMPANY | 274 | $105K |
| Vision | AXA EQUITABLE LIFE INSURANCE COMPANY | 274 | $105K |
| Life insurance | AXA EQUITABLE LIFE INSURANCE COMPANY | 274 | $105K |
| Short-term disability | AXA EQUITABLE LIFE INSURANCE COMPANY | 274 | $105K |
| Long-term disability | AXA EQUITABLE LIFE INSURANCE COMPANY | 274 | $105K |
| Prescription drug | EMPIRE BLUE CROSS BLUE SHIELD | 367 | $1.5M |
| Other | AXA EQUITABLE LIFE INSURANCE COMPANY | 274 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
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.