| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY E-SUITE 215 FAIRFIELD, CT 06824 | UNITEDHEALTHCARE INSURANCE COMPANY | $94K | — | $94K | 4.05% |
| HOWARD EINSTEIN3 | PO BOX 5145 GREENVILLE, SC 29606 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $23K | — | $23K | 3.87% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $17K | $117 | $17K | 7.57% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $10K | $14K | 10.50% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $279 | $6K | 10.46% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | EYEMED VISION CARE-ON BEHALF OF FOREST T JONES/STANDARD SEC LIFE INS | $2K | — | $2K | 10.02% |
| JASON JAWOROSKI3 Filed as: JASON S. JAWOROSKI-360 CORP BEN ADV | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 19.94% |
| ARISTA INVESTORS CORP3 | 15 MAIDEN LANE - SUITE 905 NEW YORK, NY 10038 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $614 | $3K | 23.35% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $2.9M |
| Dental(3 contracts, 3 carriers) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 199 | $223K |
| Vision | EYEMED VISION CARE-ON BEHALF OF FOREST T JONES/STANDARD SEC LIFE INS | 332 | $22K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 244 | $132K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $13K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 235 | $61K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 244 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.