| 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 | $8K | $6K | $14K | 7.25% |
| 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 | $8K | 5.27% |
| 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 | $3K | $8K | 7.06% |
| 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 | $4K | 8.08% |
| 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 | $523 | $975 | $1K | 11.74% |
| 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 | $244 | $281 | $525 | 5.38% |
| 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 | $179 | $125 | $304 | 6.97% |
| 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 | $52 | $52 | $104 | 5.00% |
| 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 | $26 | $17 | $43 | 6.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EAP NONE | Contract Administrator; Direct payment from the plan Service code 13 | 12900 PARK PLAZA DRIVE, SUITE 1504 MAILSTOP 6150 CERRITOS, CA 90703 | $48.0M |
| VITECH SYSTEMS GROUP INC EIN 13-3785492 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $3.2M |
| DELTA DENTAL NONE | Claims processing; Direct payment from the plan Service code 12 | 5073 RITTER ROAD MECHANICSBURG, PA 17055 | $3.0M |
| SCHULTHEIS & PANETTIERI LLP EIN 13-6841620 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $2.1M |
| H&H GRAPHIC PRINTING COMMUNICATIONS EIN 27-0771521 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $1.3M |
| RAAB STURM & GANCHROW LLP EIN 13-1566077 NONE | Legal; Direct payment from the plan Service code 29 | — | $1.3M |
| OPTUMRX, INC EIN 33-0441200 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $677K |
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Other services; Direct payment from the plan Service code 49 | — | $630K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $461K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $354K |
| MOUNT VERNON PRINTING COMPANY EIN 52-1193840 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $320K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $318K |
| TAMARI, FARNAZ EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $290K |
| GOLDBERGER, PETER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $289K |
| OPSAHL, CORA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $286K |
| THE BANK OF NY MELLON NONE | Custodial (securities); Direct payment from the plan Service code 19 | 1 WALL STREET NEW YORK, NY 10286 | $285K |
| CONVERGED TECHNOLOGY GROUP EIN 20-4185989 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $280K |
| BROCKBANK, CLAIRE V.S. EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $252K |
| JENKINS, STEVE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $248K |
| GRAVATT, PATRICIA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $246K |
| CLEMENT, NICHOLAS EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $245K |
| KHANGULOV, VICTOR EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $245K |
| ORMSBY, TOM EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $234K |
| POMMELLS, ELAINE EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $229K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $220K |
| LE, MEISHA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $220K |
| PERNA, MICHELLE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $216K |
| GOODMAN, BRYAN EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $212K |
| LITWIN, ADAM EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $207K |
| MCQUERE, ANNA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $205K |
| BREDHOFF & KAISER PLLC EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $201K |
| NATH, SUNNY EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $201K |
| NIVAR, VICTOR EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $198K |
| KHAN, ALTAZ EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $194K |
| GANDLER, RACHEL EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $194K |
| RIMKUS, UTA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $192K |
| FARBER, RANDI S. EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $191K |
| TEWOLDE, KIDANE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $190K |
| MCCULLOUGH, CAROLYN V EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $181K |
| ROBBINS, RICHARD EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $177K |
| GAPINSKA, MALGORZATA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $176K |
| STAGWELL TECHNOLOGIES INC. EIN 45-2199672 NONE | Other services; Direct payment from the plan Service code 49 | — | $174K |
| BAO, LING EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $172K |
| OKUN, MITCH EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $171K |
| PEREZ ROSARIO, BRENDA LIZ EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $169K |
| LAVERTY JR, ROY H EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $167K |
| CHAN, KAI EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $167K |
| FRIEDLANDER, SCOTT EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $167K |
| GIOVAGNOLI, LISA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $166K |
| BURKE, KELSEY EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $165K |
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 | 121,471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,318 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125,789 | 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 | 6,668 | $43.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 124,055 | $11.5M |
| Short-term disability(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,342 | $380K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,351 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124,055 | — |
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.