| 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 | $4K | $11K | 6.12% |
| 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 | $3K | $7K | 4.48% |
| 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 | $7K | 6.23% |
| 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 | $1K | $3K | 6.10% |
| 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 | $990 | $3K | 6.99% |
| 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 | $455 | $223 | $678 | 6.11% |
| 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 | $254 | $194 | $448 | 4.40% |
| 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 | $186 | $86 | $272 | 5.99% |
| 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 | $51 | $40 | $91 | 4.42% |
| 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 | $24 | $11 | $35 | 5.97% |
| 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 | $56.3M |
| DELTA DENTAL INSURANCE COMPANY NONE | Claims processing; Direct payment from the plan Service code 12 | 5073 RITTER ROAD MECHANICSBURG, PA 17055 | $3.6M |
| SCHULTHEIS & PANETTIERI LLP EIN 13-6841620 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $3.0M |
| H&H GRAPHIC PRINTING COMMUNICATIONS EIN 27-0771521 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $2.3M |
| VITECH SYSTEMS GROUP INC EIN 13-3785492 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.4M |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $1.4M |
| POSTMASTER NONE | Other services; Direct payment from the plan Service code 49 | 421 8TH AVENUE WINDOW 76 NEW YORK, NY 10199 | $1.1M |
| RAAB, STURM & GANCHROW, LLP EIN 13-1566077 NONE | Legal; Direct payment from the plan Service code 29 | — | $1.1M |
| MICROSOFT CORPORATION EIN 91-1144442 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $911K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $826K |
| OPTUMRX, INC EIN 33-0441200 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $519K |
| TRANSLUCENT INC. EIN 86-1520905 NONE | Consulting (general); Consulting fees; Direct payment from the plan; Other services Service code 16 | — | $512K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $492K |
| BREDHOFF & KAISER, P.L.L.C. EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $482K |
| PRIMUS NONE | Other services; Direct payment from the plan Service code 49 | 6080 JERICHO TURNPIKE, SUITE 208 COMMACK, NY 11725 | $449K |
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Other services; Direct payment from the plan Service code 49 | — | $435K |
| GWP INC. EIN 20-8217385 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $394K |
| WINMILL SOFTWARE EIN 52-2247044 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $371K |
| TAMARI, FARNAZ EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $358K |
| MOUNTVERNON PRINTING COMPANY EIN 52-1193840 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $332K |
| OPSAHL, CORA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $321K |
| GOLDBERGER, PETER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $309K |
| CONVERGED TECHNOLOGY GROUP EIN 20-4185989 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $303K |
| JPM CHASE EIN 13-4994650 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $298K |
| SPINOSI, DANNY EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $291K |
| BROCKBANK, CLAIRE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $281K |
| CLEMENT, NICHOLAS EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $278K |
| JENKINS, STEPHEN L EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $274K |
| ZEGULLAJ-THEKA, ALBANA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $270K |
| POMMELLS, ELAINE EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $265K |
| FARBER, RANDI S EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $264K |
| RODRIGUEZ, ANTONIO EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $261K |
| ORMSBY, THOMAS EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $260K |
| PERNA, MICHELLE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $246K |
| GAPINSKA, MALGORZATA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $238K |
| NIVAR, VICTOR EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $231K |
| ROBBINS, RICHARD EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $230K |
| VERMA, VISHAL EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $230K |
| KHANGULOV, VICTOR EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $218K |
| XENAKIS, GEORGE EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $214K |
| LITWIN, ADAM EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $214K |
| KHAN, ALTAZ EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $213K |
| GARAY, ANTONIO EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $212K |
| BIKOFF, DANIEL R EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $211K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $207K |
| GOODMAN, BRYAN EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $207K |
| GIOVAGNOLI, LISA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $206K |
| GANDLER, RACHEL EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $204K |
| SAMUEL, DAVID ROBERT EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $204K |
| CHEN, QINAN EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $203K |
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 | 124,984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,213 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 129,197 | 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 | 6,983 | $64.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 128,944 | $12.0M |
| Short-term disability(7 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,658 | $430K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,658 | $174K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 128,944 | $12.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128,944 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.