| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $140K | $6K | $145K | 3.90% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $33K | $33K | 0.88% |
| HENRIOTT GROUP INC3 Filed as: HENRIOTT GROUP | 250 MAIN STREET STE 650 LAFAYETTE, IN 47901 | CINCINNATI LIFE INSURANCE COMPANY | $19K | — | $19K | 40.16% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN RD STE 208E MELVILLE, NY 117473185 | COMPANION LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC. | 35 PINELAWN RD STE 208E NELVILLE, NY 117473185 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN RD STE 208E MELVILLE, NY 117473185 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 216 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 415 | $3.7M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 415 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 216 | $30K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 216 | $26K |
| Other(2 contracts, 2 carriers) | CINCINNATI LIFE INSURANCE COMPANY | 216 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.