| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE, SUITE 2 HIGHSTOWN, NJ 08520 | UNITEDHEALTHCARE INSURANCE COMPANY | $92K | $0 | $92K | 3.65% |
| THE HOTALING GROUP3 | 8 FLETCHER PLACE MELLVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 1.26% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $8K | $10K | 0.39% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 7.33% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 7.14% |
| GCG FINANCIAL LLC3 Filed as: CRISP, AN ALERA GROUP AGENCY, LLC | 1250 STATE ROUTE 28, SUITE 201 BRANCHBURG, NJ 08876 | VISION SERVICE PLAN | $991 | $0 | $991 | 4.37% |
| THE HOTALING GROUP3 | 8 FLETCHER PLACE MELLVILLE, NY 11747 | VISION SERVICE PLAN | $542 | $0 | $542 | 2.39% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 11.75% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $771 | $0 | $771 | 7.16% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $856 | $0 | $856 | 15.01% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | FIRST UNUM LIFE INSURANCE COMPANY | $285 | $0 | $285 | 5.00% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 403 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 403 | $2.5M |
| Vision | VISION SERVICE PLAN | 192 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $137K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $142K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $137K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 403 | $2.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.