| 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 | $9K | — | $9K | 4.10% |
| 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 | — | $4K | 2.50% |
| 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 | $5K | — | $5K | 4.10% |
| 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 | $5K | — | $5K | 4.10% |
| 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 | — | $2K | 4.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $246 | — | $246 | 2.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $178 | — | $178 | 4.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVEN SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 2.53% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NY | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 4.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BCBS EIN 23-7391136 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $43.5M |
| DELTA DENTAL 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 | — | $2.2M |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $1.9M |
| H&H GRAPHIC PRINTING COMMUNICATIONS EIN 27-0771521 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $1.5M |
| RAAB STURM & GANCHROW, LLP EIN 13-1566077 NONE | Legal; Direct payment from the plan Service code 29 | — | $1.0M |
| SHENKMAN CAPITAL MANAGEMENT, INC. NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 151 WEST 42ND STREET 29TH FLOOR NEW YORK, NY 10036 | $465K |
| EXL SERVICE HOLDINGS INC. NONE | Consulting (general); Direct payment from the plan Service code 16 | 320 PARK AVE 29TH FLOOR NEW YORK, NY 10022 | $437K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $399K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $372K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $352K |
| FARNAZ TAMARI EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $329K |
| PETER GOLDBERGER EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $277K |
| CORA OPSAHL EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $262K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $262K |
| MOUNT VERNON PRINTING COMPANY EIN 52-1193840 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $258K |
| BREDHOFF & KAISER PLLC EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $248K |
| NICHOLAS CLEMENT EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $242K |
| CONVERGED TECHNOLOGY GROUP EIN 20-4185989 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $236K |
| JUSTINE IPPOLITO-FATA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $235K |
| VICTOR KHANGULOV EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $234K |
| STEVE JENKINS EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $229K |
| TOM ORMSBY EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $226K |
| MICHELLE PERNA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $214K |
| ELAINE POMMELLS EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $214K |
| ADAM LITWIN EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $202K |
| BRYAN GOODMAN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $197K |
| RACHEL GANDLER EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $192K |
| RANDI S FARBER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $192K |
| VICTOR NIVAR EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $185K |
| UTA RIMKUS EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $183K |
| ASMAT SYED EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $174K |
| VIOSEARCH INC NONE | Consulting (general); Direct payment from the plan Service code 16 | 268 BROOKSIDE AVENUE ALLENDALE, NJ 07401 | $174K |
| CAROLYN V MCCULLOUGH EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $173K |
| MALGORZATA GAPINSKA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $165K |
| LISA GIOVAGNOLI EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $161K |
| ROY H LAVERT JR EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $158K |
| KAI CHAN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $155K |
| DANIEL R BIKOFF EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $153K |
| BRENDA LIZ PERE ROSARIO EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $153K |
| BROOKE PRASHKER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $152K |
| ERIC EGLER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $152K |
| SCOTT FRIEDLANDER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $151K |
| MITCH OKUN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $151K |
| MISHA N SHARP EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $150K |
| VANESSA MANOHAR EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $150K |
| JESSICA MADRID EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $150K |
| PATRICIA GRAVATT EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $147K |
| VERIZON NONE | Other services; Direct payment from the plan Service code 49 | 6932 WISCONSIN AVENUE BETHESDA, MD 20814 | $147K |
| DEANNE RODNEY EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $146K |
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 | 111,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,563 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 6,371 | $41.1M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 114,065 | $11.2M |
| Short-term disability(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,142 | $534K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,154 | $156K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 114,065 | $11.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114,065 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.