| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS, LLC | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 2.54% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 1.82% |
| FERDINAND A. RUPLIN3 | 28 ERLAND ROAD STONY BROOK, NY 11790 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.47% |
| CHRISTOPHER S. BRADY3 Filed as: CHRISTOPHER J. BARBER | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.44% |
| GINA D. AMBROSIO3 | 2578 ISLAND CHANNEL ROAD SEAFORD, NY 11783 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.18% |
| FNA INSURANCE SERVICES INC3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $2K | $0 | $2K | 5.80% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS, LLC | 1000 WOODBURY ROAD, SUITE 300 WOODBURY, NY 11797 | DELTA DENTAL OF NEW YORK | $2K | $0 | $2K | 5.80% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $592 | $0 | $592 | 10.68% |
| FNA INSURANCE SERVICES INC3 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $204 | $0 | $204 | 3.68% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.1M |
| Dental | DELTA DENTAL OF NEW YORK | 107 | $31K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 98 | $6K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.