| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING, LLC | 135 CROSSWAYS PARK DRIVE SUITE 300 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $247K | $0 | $247K | 3.64% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING, LLC | PO BOX 9017 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 3.63% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING, LLC | 135 CROSSWAYS PARK DRIVE SUITE 300 WOODBURY, NY 11797 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 15.00% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $152 | $152 | 0.10% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING, LLC | 135 CROSSWAYS PARK DRIVE SUITE 300 WOODBURY, NY 11797 | GERBER | $5K | $0 | $5K | 10.00% |
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 | 495 | 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) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 1,136 | $6.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,145 | $690K |
| Vision | GERBER | 1,159 | $52K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 495 | $155K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 495 | $155K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 1,136 | $6.8M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 495 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,159 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.