| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | UNITED HEALTHCARE | $526K | — | $526K | 6.47% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD SUITE 303 MELVILLE, NY 11747 | UNITED HEALTHCARE | — | $62K | $62K | 0.77% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 4.91% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $14K | $4K | $18K | 7.60% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $8K | $4K | $12K | 14.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 2.02% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $5K | — | $5K | 6.53% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 18.51% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $473 | $233 | $706 | 14.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $103 | $103 | 2.18% |
| 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 | $896 | — | $896 | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $422 | — | $422 | — |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $3K | — | $3K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $1K | — | $1K | — |
| 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 | $20K | — | $20K | — |
| 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 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16K | — | $16K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| IIG3 | — | EMPOWER (GREAT-WEST) - PROTECTIVE | $15K | — | $15K | — |
| NEWPORT GROUP3 | — | EMPOWER (GREAT-WEST) - PROTECTIVE | $6K | — | $6K | — |
| IIG3 | — | SECURIAN LIFE INSURANCE COMPANY | $16K | — | $16K | — |
| NEWPORT GROUP3 | — | SECURIAN LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| 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 | $21K | — | $21K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| IIG3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | — | $11K | — |
| NEWPORT GROUP3 | — | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| IIG3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $7K | — | $7K | — |
| NEWPORT GROUP3 | — | NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION | $2K | — | $2K | — |
| IIG3 | — | THE SAVINGS BANK MUTUAL LIFE INSURANCE COMPANY OF MASSACHUSETTS | $11K | — | $11K | — |
| NEWPORT GROUP3 | — | THE SAVINGS BANK MUTUAL LIFE INSURANCE COMPANY OF MASSACHUSETTS | $2K | — | $2K | — |
| IIG3 | — | MIDLAND NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | — |
| NEWPORT GROUP3 | — | MIDLAND NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| IIG | — | NORTHWESTERN MUTUAL | $31K | — | $31K | — |
| NEWPORT GROUP3 | — | NORTHWESTERN MUTUAL | $8K | — | $8K | — |
| IIG3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $273K | — | $273K | — |
| NEWPORT GROUP3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $91K | — | $91K | — |
| IIG3 | — | NATIONWIDE LIFE INSURANCE COMPANY | $488K | — | $488K | — |
| NEWPORT GROUP3 | — | NATIONWIDE LIFE INSURANCE COMPANY | $163K | — | $163K | — |
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 | 553 | 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) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE | 667 | $8.7M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE | 667 | $8.6M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE | 667 | $8.6M |
| Life insurance(24 contracts, 15 carriers) | STANDARD INSURANCE COMPANY | 575 | $410K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 575 | $325K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 575 | $325K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 24 | $34K |
| Other(27 contracts, 17 carriers) | STANDARD INSURANCE COMPANY | 575 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.