| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY INC | 875 AVENUE OF THE AMERICAS SUITE 1801 NEW YORK, NY 10001 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $168 | $10K | 14.85% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA NEW YORK NY-1004 | $4K | $2K | $6K | 9.85% |
| WAG NY INC3 Filed as: WAG NEW YORK INC | 250 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA NEW YORK NY-1004 | $140 | — | $140 | 0.24% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA NEW YORK NY-1004 | 119 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA NEW YORK NY-1004 | 119 | $58K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 98 | $68K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 98 | $68K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 98 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.