| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID JAN GROSSMAN, CLU3 Filed as: DAVID J GROSSMAN | 410 PROSPECT STREET NUTLEY, NJ 07110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.54% |
| ATHOS BENEFIT CONSULTING3 | 411 KAZEY CT BRANCHBURY, NJ 08876 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $947 | — | $947 | 0.33% |
| KRISTOPHER GROSSMAN3 | 333 GARDEN STREET APT 3 HOBOKEN, NJ 07030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $532 | — | $532 | 0.19% |
| DAVID GROSSMAN3 | 1455 BROAD STREET SUITE 3 BLOOMFIELD, NJ 07003 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.74% |
| KRISTOPHER GROSSMAN3 | 1455 BROAD STREET SUITE 3 BLOOMFIELD, NJ 07003 | METROPOLITAN LIFE INSURANCE COMPANY | $625 | — | $625 | 0.85% |
| DAVID GROSSMAN3 | 1455 BROAD STREET BLOOMFIELD, NJ 07003 | VISION SERVICE PLAN | $1K | — | $1K | 5.46% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 109 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $74K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $286K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.