| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY LEVINE AND ASSOCIATES LTD3 | 445 BROADHOLLOW ROAD, SUITE 119 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 6.86% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $1 | $3K | 4.61% |
| LG PLANNING GROUP3 | 445 BROADHOLLOW ROAD, SUITE 119 MELVILLE, NY 11747 | IRONSHORE INDEMNITY, INC. | $41K | $0 | $41K | — |
| CAYCOMM HOLDINGS, LLC3 | 320 BOSTON POST ROAD DARIEN, CT 06820 | IRONSHORE INDEMNITY, INC. | $23K | $0 | $23K | — |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY, INC. | 89 | $0 |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $59K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $59K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $59K |
| Prescription drug | IRONSHORE INDEMNITY, INC. | 89 | $0 |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.