| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES, INC | 100 FRONT STREET SUITE 610 WORCESTER, MA 01608 | GREAT MIDWEST INSURANCE COMPANY | $0 | $26K | $26K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 106043546 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 1.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WEST HARRISON, NY 106043546 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $41 | $54K | 18.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.24% |
| CHRISTIANSEN INSURANCE GROUP, INC.3 Filed as: CHRISTIANSEN INSURANCE INC | — | TRIPLE S SALUD, INC. | $2K | $0 | $2K | 5.00% |
| YOURPFO CONSULTING LLC3 | 1133 WESTCHESTER AVE STE N136 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Contract Administrator; Other services Service code 12 | — | $1.1M |
| YOURPFO CONSULTING LLC EIN 26-0618901 NONE | Other commissions Service code 55 | — | $171K |
| CAREBRIDGE CORPORATION EIN 23-2614764 NONE | Contract Administrator; Other services Service code 13 | — | $27K |
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 | 1,752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 89 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GREAT MIDWEST INSURANCE COMPANY | 1,677 | $557K |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,543 | $393K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,543 | $351K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,397 | $296K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 498 | $353K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 498 | $353K |
| Prescription drug | TRIPLE S SALUD, INC. | 5 | $42K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 1,677 | $515K |
| Other(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,397 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,543 | — |
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.