| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 530 5TH AVENUE 11TH FLOOR NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | $2K | $22K | 11.45% |
| SENTINEL FINANCIAL SOLUTIONS3 | 530 5TH AVENUE, 14TH FLOOR NEW YORK, NY 10036 | DELTA DENTAL OF NEW YORK | $6K | $0 | $6K | 4.00% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $1K | $5K | 6.10% |
| SENTINEL FINANCIAL SOLUTIONS3 | 530 5TH AVENUE, 14TH FLOOR NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.13% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $438 | $0 | $438 | 2.12% |
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 | 330 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 18 | $90K |
| Dental | DELTA DENTAL OF NEW YORK | 565 | $160K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 243 | $21K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 333 | $547K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 333 | $196K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 333 | $196K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 18 | $90K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 333 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
No prospect flags tripped on this filing.