| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS INC. | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $146K | — | $146K | 3.01% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 5.47% |
| SENIOR SERVICES OF NORTH AMERICA IN3 | 990 WESTBURY ROAD SUITE 201 WESTBURY, NY 11590 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $8K | — | $8K | 3.21% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | — | $8K | 15.02% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.66% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $359 | — | $359 | 9.99% |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $1K | — | $1K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $505 | — | $505 | — |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $5K | — | $5K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $2K | — | $2K | — |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $6K | — | $6K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $3K | — | $3K | — |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $18K | — | $18K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $8K | — | $8K | — |
| IIG3 | — | MIDLAND NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | — |
| NEWPORT GROUP3 | — | MIDLAND NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| IIG3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $94K | — | $94K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $31K | — | $31K | — |
| NEWPORT GROUP3 | — | JOHN HANCOCK LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| IIG3 | — | GREAT-WEST FINANCIAL | $14K | — | $14K | — |
| NEWPORT GROUP3 | — | GREAT-WEST FINANCIAL | $6K | — | $6K | — |
| IIG3 | — | GREAT-WEST FINANCIAL | $15K | — | $15K | — |
| NEWPORT GROUP3 | — | GREAT-WEST FINANCIAL | $7K | — | $7K | — |
| IIG3 | — | GREAT-WEST FINANCIAL | $948 | — | $948 | — |
| NEWPORT GROUP3 | — | GREAT-WEST FINANCIAL | $406 | — | $406 | — |
| IIG3 | — | SECURIAN FINANCIAL | $272K | — | $272K | — |
| NEWPORT GROUP3 | — | SECURIAN FINANCIAL | $91K | — | $91K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | — | $19K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | — |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 617 | $4.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 789 | $355K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 789 | $355K |
| Life insurance(19 contracts, 11 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 480 | $297K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 480 | $254K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 480 | $308K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 617 | $4.9M |
| Other(21 contracts, 13 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 480 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.