| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 7.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY - CENTERSTONE | 1133 WESTCHESTER AVE., STE. S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 5.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 1133 WESTCHESTER AVE., STE. #S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 3.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY. W VEVA 16 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | -$116 | — | -$116 | -0.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $586 | $7K | 10.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 350 FIFTH AVE., STE. 3700 NEW YORK, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $879 | $879 | 1.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $550 | $7K | 10.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 350 FIFTH AVE., STE. 3700 NEW YORK, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $826 | $826 | 1.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $995 | $85 | $1K | 18.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY. W.VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $128 | $128 | 2.19% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ. UNIONDALE, NY 11556 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | $4 | $5 | 17.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HILB GROUP OF NEW YORK BROKER | Insurance agents and brokers Service code 22 | 1055 RXR PLZ. UNIONDALE, NY 11556 | $83K |
| BENEFIT ASSISTANCE COMPANY, LLC EIN 55-0715869 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $67K |
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATOR | Other commissions; Claims processing; Other insurance fees and expenses Service code 12 | — | $34K |
| MEDWATCH, LLC EIN 59-2884658 UTILIZATION REVIEW | Other commissions; Other insurance fees and expenses Service code 55 | — | $6K |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 708 | $170K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 708 | $170K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 288 | $66K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 288 | $63K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 202 | $1.3M |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 288 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.