| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE LAKE SUCESS, NY 11042 | GUARDIAN | $18K | $6K | $24K | 15.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE LAKE SUCCESS, NY 11042 | FIRST UNUM LIFE INSURANCE CO | $18K | $898 | $19K | 14.48% |
| PORTNOY, EVAN, SCOTT3 | 1983 MARCUS AVE LAKE SUCESS, NY 11042 | FIRST UNUM LLIFE INSURANCE CO | $2K | — | $2K | 2.44% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS. CHRISTOPHER | PO BOX 40386 NASHVILLE, TN 37204 | FIRST UNUM LLIFE INSURANCE CO | $936 | — | $936 | 0.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE LAKE SUCCESS, NY 11042 | FIRST UNUM LLIFE INSURANCE CO | $772 | — | $772 | 0.81% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE LAKE SUCCESS, NY 11042 | FIDELITY SECUITY LIFE INSURANCE COMPANY OF NY | $12K | — | $12K | 15.09% |
| PORTNOY, EVAN, SCOTT3 | 1983 MARCUS AVE LAKE SUCCESS, NY 11042 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $2K | — | $2K | 2.90% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $1K | — | $1K | 1.84% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE LAKE SUCCESS, NY 11042 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $817 | — | $817 | 1.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE LAKE SUCCESS, NY 11042 | FIDELITY SECURITY LIFE INSURANCE CO OF NY | $88 | — | $88 | 16.57% |
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 | 966 | 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) | 966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 966 | $158K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECUITY LIFE INSURANCE COMPANY OF NY | 971 | $80K |
| Life insurance | GUARDIAN | 966 | $158K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LLIFE INSURANCE CO | 383 | $156K |
| Long-term disability | FIRST UNUM LIFE INSURANCE CO | 139 | $130K |
| Other | GUARDIAN | 966 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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.