| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET 2ND FL HUDSON, NY 12534 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $123K | — | $123K | 2.92% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUPPLANS INC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $107K | $107K | 2.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $7K | — | $7K | 0.16% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 N PALM AVE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $1K | $1K | 0.03% |
| SCHOENBERG, JONATHAN3 | 103 CYPRESS DRIVE WOODBURY, NY 11797 | NEW YORK LIFE INSURANCE COMPANY | $1K | — | $1K | 15.17% |
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 04106 | NEW YORK LIFE INSURANCE COMPANY | — | $1K | $1K | 15.00% |
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 | 669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 669 | $4.2M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 669 | $4.2M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 669 | $4.2M |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 583 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.