| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVENUE FLOOR 10 WHITE PLAINS, NY 10601 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 4.36% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO LLC | 445 HAMILTON AVENUE WHITE PLAINS, NY 10601 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVENUE FLOOR 10 WHITE PLAINS, NY 10601 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $16 | $8K | 10.05% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.25% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO LLC | 20 COMMERCE DRIVE BASEMENT 2 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVENUE FLOOR 10 WHITE PLAINS, NY 10601 | METROPOLITAN LIFE INSURANCE COMPANY | $869 | $16 | $885 | 15.12% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO LLC | 20 COMMERCE DRIVE BASEMENT 2 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $90 | — | $90 | 1.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $366 | — | $366 | 9.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVENUE FLOOR 10 WHITE PLAINS, NY 10601 | METROPOLITAN LIFE INSURANCE COMPANY | $224 | $16 | $240 | 9.76% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO LLC | 20 COMMERCE DRIVE BASEMENT 2 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $12 | — | $12 | 0.49% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $227 | — | $227 | 9.25% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO LLC | 20 COMMERCE DRIVE BASEMENT 2 CRANFORD, NJ 07016 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $8 | — | $8 | 0.33% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 737 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $50 | $90 | $140 | 27.94% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $947K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 68 | $84K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 68 | $81K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 103 | $85K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 68 | $81K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 68 | $81K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 103 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.