| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 700 BROADWAY DENVER, CO 80273 | EMPIRE HEALTHCHOICE ASSURANCE, INC (G1921) | $17K | — | $17K | 2.33% |
| BRUCE R ROWLANDS3 | 6 TOWER PLACE ALBANY, NY 12203 | EMPIRE HEALTHCHOICE ASSURANCE, INC (G1921) | $4K | $2K | $6K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | EMPIRE HEALTHCHOICE ASSURANCE, INC (G1921) | $173 | — | $173 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 677 BROADWAY 4TH FLOOR ALBANY, NY 12207 | GUARDIAN LIFE INS CO OF AMERICA | $7K | — | $7K | 7.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PLACE ALBANY, NY 12203 | GUARDIAN LIFE INS CO OF AMERICA | $2K | — | $2K | 1.80% |
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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC (G1921) | 122 | $742K |
| Dental | GUARDIAN LIFE INS CO OF AMERICA | 108 | $87K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC (G1921) | 122 | $742K |
| Life insurance | GUARDIAN LIFE INS CO OF AMERICA | 108 | $87K |
| Short-term disability | GUARDIAN LIFE INS CO OF AMERICA | 108 | $87K |
| Long-term disability | GUARDIAN LIFE INS CO OF AMERICA | 108 | $87K |
| Other | GUARDIAN LIFE INS CO OF AMERICA | 108 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.