| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $39K | $39K | 2.07% |
| BENEFIT HARBOR INSURANCE SERVICE3 | 14785 PRESTON ROAD SUITE 1000 DALLAS, TX 75254 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $409 | — | $409 | 0.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK, LLC | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $40K | — | $40K | 10.75% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED* | POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136K | — | $136K | 41.71% |
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 | 6,605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 4,949 | $375K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,553 | $1.9M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,553 | $1.9M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,553 | $1.9M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,553 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,553 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.