| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | BERKLEY LIFE AND HEALTH INSURANCE CO. | $9K | $17K | $26K | 7.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | HCC LIFE INSURANCE COMPANY | $8K | $9K | $17K | 5.41% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $10K | $40K | 13.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 80926 | SUN LIFE AND HEALTH INSURANCE COMPANY | $10K | — | $10K | 6.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 225 BROADHOLLOW RD., STE. 302 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 2.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | EYEMED VISION CARE | $2K | — | $2K | 9.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP LLC THIRD PARTY ADMINISTRATO | Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees; Other services; Contract Administrator Service code 12 | 18861 90TH AVE., STE. A MOKENA, IL 60448 | $202K |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $286K |
| Vision | EYEMED VISION CARE | 440 | $22K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 408 | $167K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 408 | $167K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 245 | $658K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 408 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.