| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC. | 35 PINELAWN ROAD STE 208 E MELVILLE, NY 11747 | EMPIRE DENTAL | $3K | — | $3K | 5.00% |
| HENRIOTT GROUP INC3 Filed as: HENRIOTT GROUP | 250 MAIN STREET STE 650 LAFAYETTE, IN 47901 | CINCINNATI LIFE INSURANCE COMPANY | $2K | — | $2K | 7.17% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 356 PINELAWN RD STE 208E MELVILLE, NY 117473185 | COMPANION LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.94% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN RD STE 208E MELVILLE, NY 117473185 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $957 | $3K | 14.23% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $135 | — | $135 | 1.50% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN RD STE 208E MELVILLE, NY 117473185 | MUTUAL OF OMAHA INSURANCE COMPANY | $162 | $80 | $242 | 14.90% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EMPIRE DENTAL | 86 | $59K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 147 | $24K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 147 | $20K |
| Other(2 contracts, 2 carriers) | CINCINNATI LIFE INSURANCE COMPANY | 162 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.