| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP, INC. | 8 FLETCHER PLACE MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $48K | $0 | $48K | 3.84% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94403 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $11K | $11K | 0.84% |
| TEPANI INC3 Filed as: TEPANI, INC. | 420 CLOCK TOWER COMMONS, SUITE 311 BREWSTER, NY 10509 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $8K | $8K | 0.65% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $2K | $2K | 0.15% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP, INC. | 8 FLETCHER PLACE MELVILLE, NY 11747 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $6K | $0 | $6K | 13.99% |
| TEPANI INC3 Filed as: TEPANI, INC. | 420 CLOCK TOWER COMMONS, SUITE 311 BREWSTER, NY 10509 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $3K | $3K | 7.01% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $1K | $1K | 2.87% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | -$2K | -$2K | -3.59% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 156 | $1.3M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 156 | $1.3M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 156 | $1.3M |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 260 | $45K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 260 | $45K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 156 | $1.3M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 260 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.