| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 5.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 4.68% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 4.73% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $869 | $4K | 3.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $383 | $3K | 4.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BCBS EIN 23-7391136 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $42.0M |
| DELTA DENTAL INSURANCE COMPANY NONE | Claims processing; Direct payment from the plan Service code 12 | 5073 RITTER ROAD MECHANICSBURG, PA 17055 | $2.8M |
| VITECH SYSTEMS GROUP INC EIN 13-3785492 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.9M |
| SCHULTHEIS AND PANETTIERI LLP EIN 13-6841620 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $1.7M |
| H&H GRAPHIC PRINTING COMMUNICATIONS EIN 06-1648637 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $1.3M |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $936K |
| RAAB STURM AND GANCHROW LLP EIN 13-1566077 NONE | Legal; Direct payment from the plan Service code 29 | — | $926K |
| SHENKMAN CAPITAL MANAGEMENT, INC. NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 461 FIFTH AVENUE 22ND FLOOR NEW YORK, NY 10017 | $497K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $448K |
| ALITHYA FULLSCOPE SOLUTIONS INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 12 NORTH MAIN STREET ANN ARBOR, MI 48104 | $345K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $326K |
| FARNAZ TAMARI EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $309K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $292K |
| SARA R ROTHSTEIN EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $279K |
| PETER GOLDBERGER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $258K |
| CORA OPSAHL EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $226K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $215K |
| JUSTINE IPPOLITO FATA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $215K |
| VICTOR KHANGULOV EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $214K |
| NICHOLAS CLEMENT EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $214K |
| TOM ORMSBY EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $210K |
| STEVE JENKINS EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $208K |
| JACQUELINE MEILAK EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $206K |
| ELAINE POMMELLS EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $199K |
| ADAM LITWIN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $192K |
| BRYAN GOODMAN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $188K |
| MICHELLE PERNA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $187K |
| RACHEL GANDLER EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $184K |
| ASMAT SYED EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $183K |
| RANDI S FARBER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $182K |
| KEVIN J TOOMEY EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $182K |
| VANESSA MANOHAR EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $177K |
| BREDHOFF AND KAISER PLLC EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $176K |
| UTA RIMKUS EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $174K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $162K |
| CAROLYN V MCCULLOUGH EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $161K |
| JP MORGAN CHASE EIN 13-4994650 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $161K |
| JESSIE HAN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $156K |
| ROY H LAVERTY JR EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $156K |
| CAROL YOON EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $154K |
| ALBERTA GALDRI EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $154K |
| MALGORZATA GAPINSKA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $152K |
| KAI CHAN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $148K |
| JACLYN TESTANI EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $145K |
| BROOKE PRASHKER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $144K |
| MICHAL GALICKI EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $143K |
| SACHI BHATTACHAN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $142K |
| SULOCHANA GURUNG EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $140K |
| DANIEL R BIKOFF EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $140K |
| MING KONG EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $140K |
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 | 104,745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,127 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109,872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 990 | $6.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 104,116 | $11.7M |
| Short-term disability(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,940 | $701K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,955 | $142K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 104,116 | $11.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104,116 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.