| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAX TOTAL BENEFIT SOLUTIONS, INC.3 | 140 BROADWAY-46TH FL NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.66% |
| MAX TOTAL BENEFIT SOLUTIONS, INC.3 | 140 BROADWAY 46TH FL NEW YORK, NY 10005 | EXPRESS SCRIPTS, INC. | $1K | — | $1K | 2.06% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER ROAD-SUITE 220 FLORHAM PARK, NJ 07932 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $5K | 10.18% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS, INC. | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $83 | — | $83 | 0.16% |
| DAVID SOLOMONS3 | 140 BROADWAY-46TH FL NEW YORK, NY 10005 | VISION SERVICE PLAN | $905 | — | $905 | 6.30% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 299 | $2.3M |
| Dental | DELTA DENTAL OF NJ, INC. | 395 | $201K |
| Vision | VISION SERVICE PLAN | 143 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $51K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $51K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $51K |
| Prescription drug(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 299 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.