| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | INTERNATIONAL BENEFITS ADMINISTRATORS, LLC | $104K | — | $104K | 25.88% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVENUE SUITE C130 NEW HYDE PARK, NY 11042 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.43% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.24% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVENUE SUITE 130C NEW HYDE PARK, NY 11042 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.78% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.89% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVENUE SUITE C130 NEW HYDE PARK, NY 11042 | COMPANION LIFE INSURANCE COMPANY | $544 | — | $544 | 10.01% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVENUE SUITE C130 NEW HYDE PARK, NY 11042 | MUTUAL OF OMAHA INSURANCE COMPANY | $176 | — | $176 | 9.98% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 653 | $235K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $28K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 273 | $7K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $108K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 294 | $108K |
| Stop-loss / reinsurancereinsurance | INTERNATIONAL BENEFITS ADMINISTRATORS, LLC | 214 | $402K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 273 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.