| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEWTEK INSURANCE AGENCY LLC3 | 301 MEXICO BLVD., SUITE H4A BROWNSVILLE, TX 785204450 | UNITEDHEALTHCARE INSURANCE COMPANY | $106K | $0 | $106K | 4.02% |
| DONALD C SAVOY INC NJ3 Filed as: DONALD C SAVOY, INC. NJ | 25B HANOVER RD. SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 1.44% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY | 301 MEXICO BLVD STE H4A BROWNSVILLE, TX 78520 | DELTA DENTAL OF NEW YORK | $4K | $0 | $4K | 2.73% |
| NEWTEK INSURANCE AGENCY LLC3 Filed as: NEWTEK INSURANCE AGENCY, LLC | 301 MEXICO BLVD. SUITE H4A BROWNSVILLE, TX 78520 | SUN LIFE AND HEALTH INSURANCE COMPANY | $13K | $0 | $13K | 12.74% |
| NEWTEK INSURANCE AGENCY LLC3 | 301 MEXICO BLVD., H9-A BROWNSVILLE, TX 78520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $988 | $0 | $988 | 19.99% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING CO., INC. | 118-35 QUEENS BLVD. SUITE 1230 FORREST HILLS, NY 11375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | $0 | $12 | 0.24% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 453 | $2.6M |
| Dental | DELTA DENTAL OF NEW YORK | 530 | $143K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 453 | $2.6M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 276 | $108K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 276 | $103K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 276 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.