| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY VEVA-16, SUITE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| ECONOMIC EVALUATION GROUP INC3 | CSZ MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.30% |
| JOHN KLIMCHAK3 | CSZ MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.50% |
| BENEFITS EVALUATION GROUP INC3 | 535 BROADHOLLOW ROAD SUITE A3A MELVILLE, NY 117473700 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $3K | — | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP EIN 36-4197088 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 18861 90TH AVENUE SUITE A MOKENA, IL 60448 | $146K |
| CIGNA EIN 35-2029627 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 11595 N MERIDIAN ST CARMEL, IN 46032 | $77K |
| TELADOC EIN 04-3705970 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 17304 PRESTON RAD DALLAS, TX 75252 | $12K |
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 | 615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 1,478 | $51K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 621 | $53K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE | 482 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,478 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.