| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHBASE SOLUTIONS, INC.3 Filed as: HEALTHBASE SOLUTIONS | 240 EAST 85TH STREET STE 17M NEW YORK, NY 10028 | EMPIRE HEALTH CHOICE ASSURANCE, INC | $12K | — | $12K | 1.00% |
| HEALTHBASE SOLUTIONS, INC.3 Filed as: HEALTHBASE SOLUTIONS | 240E 86TH STREET STE 17M NEW YORK, NY 10028 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| NATIONAL FINACIAL NETWORK LC | 7 HANOVER SQUARE 8TH FL STE 8A NEW YORK, NY 10028 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $203 | — | $203 | 0.38% |
| HEALTHBASE SOLUTIONS, INC.3 Filed as: HEALTHBASE SOLUTIONS INC | 240 E 86TH STREET STE 17M NEW YORK, NY 10028 | SUN LIFE AND HEALTH INSURANCE COMPANY(US) | $8K | — | $8K | 15.00% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTH CHOICE ASSURANCE, INC | 278 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $53K |
| Vision | EMPIRE HEALTH CHOICE ASSURANCE INC | 198 | $10K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY(US) | 86 | $52K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY(US) | 86 | $52K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY(US) | 86 | $52K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY(US) | 86 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.