| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 3.00% |
| SCS AGENCY, INC.3 | 1981 MARCUS AVENUE, SUITE 125 NEW HYDE PARK, NY 11042 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 2.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 401 BROADHOLLOW ROAD, SUITE 403 MELVILLE, NY 11747 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 1.00% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | ANTHEM BLUE CROSS | $4K | $0 | $4K | 5.23% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS | $0 | $4K | $4K | 5.23% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | ANTHEM BLUE CROSS | $0 | $1 | $1 | 0.00% |
| ALAN KIFFERSTEIN3 | 484 WEST 43RD STREET, SUITE 16M NEW YORK, NY 10036 | ANTHEM BLUE CROSS | $1 | $0 | $1 | 0.00% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NJ 11743 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.97% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 401 BROADHOLLOW ROAD, SUITE 403 MELVILLE, NY 11747 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $826 | $0 | $826 | 2.56% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $772 | $0 | $772 | 2.39% |
| ALAN KIFFERSTEIN3 | 484 WEST 43RD STREET, SUITE 16M NEW YORK, NY 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, NJ 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.05% |
| ALAN KIFFERSTEIN3 | 570 LEXINGTON AVENUE, SUITE 1600 NEW YORK, NY 10022 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.04% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 156 | $1.1M |
| Dental | ANTHEM BLUE CROSS | 178 | $72K |
| Vision | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $32K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $32K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $32K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 156 | $1.1M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.