| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELUCA, ANTHONY3 | 13544 MACHIAVELLI WAY PALM BEACH GARDENS, FL 33418 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $47K | — | $47K | 3.93% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $17K | $17K | 1.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $5K | — | $5K | 0.39% |
| ANTHONY P DELUCA3 Filed as: ANTHONY DELUCA | 13544 MACHIAVELLI WAY PALM BEACH GARDEN, FL 33418 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 5.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.69% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 170 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $248K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $248K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $248K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $248K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $248K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.