| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP ON NY | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 0.98% |
| BENEFIT HARBOR INSURANCE SERVICE3 | 14785 PRESTON ROAD SUITE 1000 DALLAS, TX 75254 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK, LLC DBA | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | EYEMED VISION CARE | $31K | — | $31K | 10.56% |
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 | 3,516 | 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) | 3,516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,831 | $2.2M |
| Vision | EYEMED VISION CARE | 4,226 | $295K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,831 | $2.2M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,831 | $2.2M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,831 | $2.2M |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE INSURANCE COMPANY | 3,141 | $4.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,831 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,831 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.