| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPLE LIFE INSURANCE COMPANY | $9K | $40K | $48K | 5.93% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPLE LIFE INSURANCE COMPANY | $10K | $13K | $23K | 2.87% |
| LYONS MAURICE LTD DBA THE MEDICAL3 | 301 MADISON AVENUE 4TH FLOOR NEW YORK, NY 10177 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $9K | $22K | 5.15% |
| LYONS MAURICE LTD3 Filed as: LYONS MARUICE LTD DBA MEDICAL LINK | 301 MADISON AVENUE 4TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.66% |
| HOARD J. ELIAS, INC.3 | 355 LEXINGTON AVENUE 9TH FLOOR NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $227 | — | $227 | 0.09% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.29% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | SUN LIFE AND HEALTH INSURANCE COMPANY | $8K | — | $8K | 8.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE SUITE 100 ROCHESTER, NY 14618 | SUN LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| MAURICE LYONS3 Filed as: MAURICE LYONS LTD | 301 MADISON AVENUE 4TH FLOOR NEW YORK, NY 10017 | VISION SERVICE PLAN | $2K | — | $2K | 3.64% |
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 | 404 | 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) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 655 | $426K |
| Vision | VISION SERVICE PLAN | 360 | $52K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 404 | $99K |
| Short-term disability(3 contracts, 3 carriers) | PRINCIPLE LIFE INSURANCE COMPANY | 1,648 | $1.3M |
| Long-term disability(3 contracts, 3 carriers) | PRINCIPLE LIFE INSURANCE COMPANY | 1,535 | $1.2M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 688 | $769K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 404 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,648 | — |
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.