| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS | 35 PINELAWN ROAD MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $142K | $6K | $148K | 2.91% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 0.49% |
| SENIOR SERVICES OF NORTH AMERICA IN3 | 532 BROADHOLLOW ROAD SUITE 106 MELVILLE, NY 11747 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $13K | — | $13K | 5.06% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 12.67% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | COMPANION LIFE INSURANCE COMPANY | — | $852 | $852 | 1.52% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $377 | — | $377 | 10.01% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $72 | $72 | 1.91% |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $1K | — | $1K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $485 | — | $485 | — |
| 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 | $4K | — | $4K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $2K | — | $2K | — |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $19K | — | $19K | — |
| 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 | $7K | — | $7K | — |
| IIG3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | — |
| NEWPORT GROUP | — | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| 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 | $968 | — | $968 | — |
| NEWPORT GROUP3 | — | GREAT-WEST FINANCIAL | $415 | — | $415 | — |
| IIG3 | — | SECURIAN LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| NEWPORT GROUP3 | — | SECURIAN LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| 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 | — |
| IIG3 | — | THE SAVINGS BANK MUTUAL LIFE INSURANCE COMPANY OF MASSACHUSETTS | $858 | — | $858 | — |
| NEWPORT GROUP3 | — | THE SAVINGS BANK MUTUAL LIFE INSURANCE COMPANY OF MASSACHUSETTS | $167 | — | $167 | — |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 814 | $5.1M |
| Dental | AETNA LIFE INSURANCE CO. | 814 | $5.1M |
| Vision | AETNA LIFE INSURANCE CO. | 814 | $5.1M |
| Life insurance(23 contracts, 12 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 529 | $303K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 529 | $247K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 529 | $247K |
| Other(25 contracts, 14 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 529 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.
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.