| 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 | $13K | 7.07% |
| NATIONAL ENROLLMENT PARTNERS L3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.26% |
| 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 | $5K | $8K | 5.38% |
| NATIONAL ENROLLMENT PARTNERS L3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.25% |
| 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 | $5K | $3K | $8K | 6.97% |
| NATIONAL ENROLLMENT PARTNERS L3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.25% |
| 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 | $3K | $2K | $4K | 6.84% |
| NATIONAL ENROLLEMENT PARTNERS L3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $715 | — | $715 | 1.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE SUITE C 130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $6K | 11.53% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $622 | — | $622 | 1.28% |
| 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 | $420 | $334 | $754 | 7.35% |
| NATIONAL ENROLLMENT PARTNERS L3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $140 | — | $140 | 1.36% |
| 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 | $235 | $280 | $515 | 5.47% |
| NATIONAL ENROLLMENT PARTNERS L3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $113 | — | $113 | 1.20% |
| 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 | $172 | $125 | $297 | 7.07% |
| NATIONAL ENROLLMENT PARTNERS L3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 1.21% |
| 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 | $53 | $70 | $123 | 5.80% |
| NATIONAL ENROLLMENT PARTNERS L3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 1.23% |
| 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 | $22 | $17 | $39 | 7.14% |
| NATIONAL ENROLLMENT PARTNERS L3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 1.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EAP NONE | Direct payment from the plan; Contract Administrator Service code 13 | 12900 PARK PLAZA DRIVE, SUITE 1504 MAILSTOP 6150 CERRITOS, CA 90703 | $51.9M |
| DELTA DENTAL INSURANCE COMPANY NONE | Direct payment from the plan; Claims processing Service code 12 | 5073 RITTER ROAD MECHANICSBURG, PA 17055 | $3.3M |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-6841620 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $2.4M |
| VITECH SYSTEMS GROUP INC EIN 13-3785492 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.9M |
| H&H GRAPHIC PRINTING COMMUNICATIONS EIN 27-0771521 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $1.4M |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $1.4M |
| RAAB, STURM & GANCHROW, LLP EIN 13-1566077 NONE | Legal; Direct payment from the plan Service code 29 | — | $1.1M |
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Other services; Direct payment from the plan Service code 49 | — | $751K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $745K |
| OPTUMRX, INC EIN 33-0441200 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $729K |
| POSTMASTER NONE | Other services; Direct payment from the plan Service code 49 | 421 8TH AVENUE WINDOW 76 NEW YORK, NY 10199 | $652K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $430K |
| 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 10199 | $374K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $344K |
| TAMARI, FARNAZ EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $333K |
| DELL MARKETING LP EIN 74-2616805 NONE | Other services; Direct payment from the plan Service code 49 | — | $328K |
| MOUNT VERNON PRINTING COMPANY EIN 52-1193840 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $325K |
| BREDHOFF & KAISER, P.L.L.C. EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $318K |
| OPSAHL, CORA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $301K |
| GOLDBERGER, PETER EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $300K |
| CONVERGED TECHNOLOGY GROUP EIN 20-4185989 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $285K |
| BROCKBANK, CLAIRE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $268K |
| JENKINS, STEVE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $262K |
| CLEMENT, NICHOLAS EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $261K |
| MOUNTAIN WEST SERIES OF LOCKTON COM EIN 20-5845818 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $261K |
| POMMELLS, ELAINE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $253K |
| GRAVATT, PATRICIA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $251K |
| ORMSBY, THOMAS EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $247K |
| KHANGULOV, VICTOR EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $239K |
| PERNA, MICHELLE EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $231K |
| CHEN, QINAN EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $224K |
| MCQUERE, ANNA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $224K |
| TRANSLUCENT INC. EIN 86-1520905 NONE | Consulting fees; Direct payment from the plan; Consulting (general); Other services Service code 16 | — | $220K |
| FARBER, RANDI S EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $217K |
| LITWIN, ADAM EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $210K |
| GOODMAN, BRYAN EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $203K |
| NIVAR, VICTOR EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $200K |
| RIMKUS, UTA 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 | — | $197K |
| GAPINSKA, MALGORZATA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $196K |
| GANDLER, RACHEL EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $191K |
| ROBBINS, RICHARD EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $189K |
| SHARP, MISHA N EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $189K |
| GIOVAGNOLI, LISA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $186K |
| MCCULLOUGH, CAROLYN V EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $186K |
| WINMILL SOFTWARE EIN 52-2247044 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $184K |
| LE, MEISHA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $182K |
| OKUN, MITCH EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $180K |
| HEALTH TRANSFORMATION ALLIANCE EIN 36-4826184 NONE | Direct payment from the plan; Other services Service code 49 | — | $180K |
| RODRIGUEZ, ANTONIO CURET EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $179K |
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 | 125,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,377 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 129,391 | 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 | 7,017 | $46.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 129,044 | $12.9M |
| Short-term disability(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,521 | $431K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,521 | $168K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 129,044 | $12.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129,044 | — |
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.