| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP, LLC | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 8.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 3.30% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP, LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $409 | $357 | $766 | 12.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $203 | — | $203 | 3.31% |
| FERRARA FINANCIAL GROUP, LLC3 | 1150 RARITAN ROAD CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.13% |
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 | 75 | 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) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 75 | $47K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 68 | $6K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 75 | $49K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 75 | $49K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 75 | $49K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 75 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.