| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARISTA INVESTORS CORP3 | 15 MAIDEN LANE SUTE 905 NEW YORK, NY 10038 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 7.44% |
| THE D B L CENTER LTD3 | 555 BROADHOLLOW ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $9K | $8K | $18K | 15.03% |
| THE D B L CENTER LTD3 | 555 BROADHOLLOW ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY | $4K | $3K | $7K | 16.80% |
| THE D B L CENTER LTD3 Filed as: THE D B L CENTER | 555 BROADHOLLOW ROAD MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $5K | $2K | $7K | 22.64% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | SERVICES 1 INTERNATIONAL BLVD. STE 340 MAHWAH, NJ 07430 | VISION SERVICE PLAN | $1K | — | $1K | 5.17% |
| COMBINED DBL RESOURCES LTD3 | 555 BROADHOLLOW ROAD SUITE 271 MELVILLE, NY 11747 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $137K |
| CAPACITY BNFT AND FIN SVCS GRP LLC BROKER/AGENT | Other services Service code 49 | ONE INTERNATIONAL DRIVE MAHWAH, NJ 07495 | $107K |
| CENERSTONE INS NJ BROKER/AGENT | Other services Service code 49 | 354 EISENHOWER PARKWAY SUTE 2850 LIVINGSTON, NJ 07039 | $44K |
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 | 654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 654 | $231K |
| Vision | VISION SERVICE PLAN | 259 | $23K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY | 575 | $75K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 308 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.