| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES | 900 STEWART AVENUE GARDEN CITY, NY 11530 | S&S HEALTHCARE | $40K | — | $40K | 5.23% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | S&S HEALTHCARE | $32K | — | $32K | 4.18% |
| NEW GENERATION BENEFITS3 Filed as: NEW GENERATION | 19 WOODY LANE WESTPORT, CT 06880 | S&S HEALTHCARE | $16K | — | $16K | 2.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 01982 | EMPIRE HEALTHCHOICE ASSURANCE, INC. (G1921) | $15K | — | $15K | 34.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N PALM AVE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. (G1921) | — | $9K | $9K | 21.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WITHUMSMITH+BROWN EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $48K |
| COHEN WEISS AND SIMON LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | S&S HEALTHCARE | 135 | $767K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. (G1921) | 174 | $42K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. (G1921) | 174 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.