| 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. | $317K | $31K | $347K | 5.75% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $92K | $92K | 1.53% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $53K | — | $53K | 16.05% |
| SENIOR SERVICES OF NORTH AMERICA IN3 | 532 BROADHOLLOW ROAD SUITE 106 MELVILLE, NY 11747 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $978 | — | $978 | 0.29% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 12.24% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $8K | $3K | $10K | 13.40% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 1.51% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $462 | $161 | $623 | 13.48% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $72 | $72 | 1.56% |
| IIG3 | — | EMPOWER (GREAT-WEST NY) - PROTECTIVE | $5K | — | $5K | — |
| NEWPORT GROUP3 | — | EMPOWER (GREAT-WEST NY) - PROTECTIVE | $1K | — | $1K | — |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $1K | — | $1K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $490 | — | $490 | — |
| 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 | $5K | — | $5K | — |
| 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 | $16K | — | $16K | — |
| NEWPORT GROUP3 | — | MIDLAND NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| IIG3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | — |
| NEWPORT GROUP | — | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16K | — | $16K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| IIG3 | — | JOHN HANCOCK LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| NEWPORT GROUP3 | — | JOHN HANCOCK LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| IIG3 | — | EMPOWER (GREAT-WEST) - PROTECTIVE | $15K | — | $15K | — |
| NEWPORT GROUP3 | — | EMPOWER (GREAT-WEST) - PROTECTIVE | $6K | — | $6K | — |
| IIG3 | — | EMPOWER (GREAT-WEST) - PROTECTIVE | $16K | — | $16K | — |
| NEWPORT GROUP3 | — | EMPOWER (GREAT-WEST) - PROTECTIVE | $7K | — | $7K | — |
| IIG3 | — | EMPOWER (GREAT-WEST) - PROTECTIVE | $1K | — | $1K | — |
| NEWPORT GROUP3 | — | EMPOWER (GREAT-WEST) - PROTECTIVE | $431 | — | $431 | — |
| IIG3 | — | SECURIAN LIFE INSURANCE COMPANY | $15K | — | $15K | — |
| NEWPORT GROUP3 | — | SECURIAN LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| 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 | $20K | — | $20K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | — | $10K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $7K | — | $7K | — |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $1K | — | $1K | — |
| IIG3 | — | THE SAVINGS BANK MUTUAL LIFE INSURANCE COMPANY OF MASSACHUSETTS | $10K | — | $10K | — |
| NEWPORT GROUP3 | — | THE SAVINGS BANK MUTUAL LIFE INSURANCE COMPANY OF MASSACHUSETTS | $2K | — | $2K | — |
| IIG3 | — | MIDLAND NATIONAL LIFE INSURANCE COMPANY | $191K | — | $191K | — |
| NEWPORT GROUP3 | — | MIDLAND NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| IIG3 | — | NORTHWESTERN MUTUAL | $31K | — | $31K | — |
| NEWPORT GROUP3 | — | NORTHWESTERN MUTUAL | $10K | — | $10K | — |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 373 | $6.0M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 373 | $6.0M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 373 | $6.0M |
| Life insurance(25 contracts, 14 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 574 | $407K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 574 | $332K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 574 | $332K |
| Other(27 contracts, 16 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 574 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.
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.