| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOLID BENEFIT GUIDANCE3 Filed as: SOLID BENEFIT GUIDANCE, LLC. | 85 CHESTNUT RIDGE ROAD SUITE 214 MONTVALE, NJ 07645 | OXFORD HEALTH INSURANCE, INC. | $48K | — | $48K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC(SBG) | 85 CHESTNUT RIDGE ROAD STE 214 MONTVALE, NJ 07645 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $28K | — | $28K | 4.00% |
| WELLS FARGO INSURANCE SERVICES Filed as: WELLS FARGO INSURANCE SERVICES USA | 7 GIRALDA FARMS 2ND FLOOR MADISON, NJ 07940 | AETNA LIFE INSURANCE CO. | $5K | $3K | $8K | 7.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVSC USA INC | PO BOX 201631 DALLAS, TX 753201631 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVSC USA INC | PO BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $270 | — | $270 | 0.37% |
| SOLID BENEFIT GUIDANCE | 85 CHESTNUT RIDGE ROAD STE 214 MONTVALE, NJ 076451836 | VISION SERVICE PLAN | $723 | — | $723 | 9.76% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 217 | $1.9M |
| Dental | AETNA LIFE INSURANCE CO. | 353 | $113K |
| Vision | VISION SERVICE PLAN | 136 | $7K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 175 | $74K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 175 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.