| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUITE 900 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $246 | $0 | $246 | 10.22% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $135 | $135 | 5.61% |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUITE 900 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $208 | $0 | $208 | 16.92% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $69 | $69 | 5.61% |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUITE 900 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $99 | $0 | $99 | 13.03% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $49 | $49 | 6.45% |
| LEE ALPER3 | 622 3RD AVENUE 9TH FLOOR SUITE 900 NEW YORK, NY 10017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $68 | $0 | $68 | 10.79% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $28 | $28 | 4.44% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 293 | $2K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 293 | $760 |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 293 | $1K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 293 | $630 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.