| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E. GREGORY3 Filed as: JOHN GREGORY | 1122 ROUND POINT DRIVE HAVERSTRAW, NY 10927 | AETNA LIFE INSURANCE COMPANY | $110K | $19K | $129K | 4.12% |
| JOHN E. GREGORY3 Filed as: JOHN GREGORY | 1122 ROUND POINT DRIVE HAVERSTRAW, NY 10927 | GUARDIAN | $18K | — | $18K | 5.73% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | GUARDIAN | — | $11K | $11K | 3.53% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 14.99% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $350 | — | $350 | 13.93% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 516 | $3.3M |
| Dental | GUARDIAN | 389 | $312K |
| Vision | GUARDIAN | 389 | $312K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 389 | $314K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 58 | $26K |
| Long-term disability | GUARDIAN | 389 | $312K |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 516 | $3.3M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 389 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.