| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL DONAS LLC3 | 41 WATCHUNG PLAZA # 207 MONTCLAIR, NJ 070424117 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | $0 | $74K | 3.67% |
| BNFTMLL NY-CNTRSTNE INS & FIIN SER3 | 50 MAIN ST STE 320 WHITE PLAINS, NY 106061901 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $17K | $17K | 0.87% |
| EBNY INSURANCE SERVICES INC3 | 40 MAIN STREET STE 204 CHATHAM, NJ 079282432 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.33% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $2.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
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.