| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 100 MONTGOMERY ST SUITE 2000 SAN FRANCISCO, CA 94104 | EMBLEMHEALTH INSURANCE | $115K | — | $115K | 4.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11717 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 2.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $15K | 9.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO | $36K | — | $36K | 28.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 1689 PEARL RIVER, NY 10965 | VISION SERVICE PLAN | $519 | — | $519 | 2.90% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | AN ALERO GROUP LLC 155 PINELAWN RD, STE 120S MELVILLE, NY 117473252 | VISION SERVICE PLAN | $485 | — | $485 | 2.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FLOOR 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $353 | — | $353 | 1.97% |
No Schedule C service providers reported on this filing.
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 | 429 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH INSURANCE | 367 | $3.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 429 | $274K |
| Vision | VISION SERVICE PLAN | 196 | $18K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 429 | $149K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $159K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 429 | $149K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 429 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.