| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAY PARK DRIVE SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $314K | $0 | $314K | 3.80% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING INC. | PO BOX 9017 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 3.75% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAY PARK DRIVE SUITE 300 WOODBURY, NY 11797 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 15.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $100 | $100 | 0.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $16 | $16 | 0.01% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAY PARK DRIVE SUITE 300 WOODBURY, NY 11797 | GERBER | $6K | $0 | $6K | 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 | 564 | 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) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,248 | $8.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,251 | $860K |
| Vision | GERBER | 1,311 | $61K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 564 | $202K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 564 | $202K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,248 | $8.3M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 564 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,311 | — |
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.
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.