| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AMERITAS LIFE INSURNACE COMPANY OF NEW YORK | $10K | $39K | $49K | 4.93% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL&STERLING EMPLOYEE BENEFIT | 110 MAIN ST POUGHKEEPSIE, NY 12601 | AMERITAS LIFE INSURNACE COMPANY OF NEW YORK | $20K | — | $20K | 2.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $14K | $41K | 11.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 NONE | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $762K |
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 | 1,215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURNACE COMPANY OF NEW YORK | 5,781 | $993K |
| Vision | AMERITAS LIFE INSURNACE COMPANY OF NEW YORK | 5,781 | $993K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 606 | $350K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 1,215 | $516K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 606 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,781 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.