| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS MAURICE LTD DBA THE MEDICAL3 | 301 MADISON AVENUE 4TH FLOOR NEW YORK, NY 10177 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $14K | $28K | 5.94% |
| 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 | $4K | — | $4K | 3.77% |
| LYONS MAURICE LTD3 | 1305 FRANKLIN AVENUE SUITE 225 GARDEN CITY, NY 11530 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 3.15% |
| 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 | — | $3K | $3K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 40 RICHARDS AVENUE SUITE 6 NORWALK, CT 06854 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 1.87% |
| MAURICE LYONS3 Filed as: MAURICE LYONS LTD | 1305 FRANKLIN AVENUE SUITE 225 GARDEN CITY, NY 11530 | VISION SERVICE PLAN | $2K | — | $2K | 3.26% |
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 | 685 | 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) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 680 | $478K |
| Vision | VISION SERVICE PLAN | 391 | $63K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 390 | $112K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 680 | $478K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 390 | $112K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 689 | $756K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 390 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.