| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD-2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.95% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD-2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $179 | — | $179 | 6.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES EIN 22-0999690 NONE | Contract Administrator Service code 13 | — | $468K |
| MULTIPLAN, INC. EIN 04-3138814 NONE | Claims processing Service code 12 | — | $180K |
| MEGHAN BRODOWSKI EIN 13-1931288 SERVICES RELATED PLAN | Plan Administrator Service code 14 | — | $125K |
| KRISTI FENNELL EIN 13-9311288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $122K |
| COHEN, WEISS & SIMON LLP EIN 13-1592323 SERVICES RELATED PLAN | Legal Service code 29 | — | $99K |
| MARYANN GUARRACI EIN 13-1931288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $63K |
| PO CHIU EIN 13-1931288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $56K |
| DIANE WEBER EIN 13-9311288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $47K |
| ERIN CANAS EIN 13-9311288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $44K |
| ROBIN LANDINO EIN 13-9311288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $42K |
| WEAVER AND TIDWELL, LLP EIN 75-0786316 SERVICES RELATED PLAN | Accounting (including auditing) Service code 10 | — | $40K |
| RAC SYSTEMS CORPORATION EIN 22-3009792 SERVICES RELATED PLAN | Consulting (general) Service code 16 | — | $39K |
| SYNTONICS EIN 13-2925049 SERVICES RELATED PLAN | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $30K |
| DELTA DENTAL OF NJ, INC. EIN 22-1896118 NONE | Claims processing Service code 12 | — | $30K |
| OSULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial Service code 11 | — | $28K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 SERVICES RELATED PLAN | Investment advisory (plan) Service code 27 | — | $27K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Investment advisory (plan); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $11K |
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 | 975 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 255 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 2,221 | $585K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,242 | $97K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,242 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,221 | — |
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.