| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | 445 BROADHOLLOW ROAD, SUITE 119 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $4K | 6.60% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS INC. | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $851 | — | $851 | 1.51% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. - 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $694 | — | $694 | 1.23% |
| MAX TOTAL BENEFIT SOLUTIONS, INC.3 | 140 BROADWAY-46TH FL NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.73% |
| MAX TOTAL BENEFIT SOLUTIONS, INC.3 | 140 BROADWAY 46TH FL NEW YORK, NY 10005 | EXPRESS SCRIPTS, INC. | $920 | — | $920 | 1.95% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 445 BROADHOLLOW ROAD, SUITE 119 MELVILLE, NJ 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 16.72% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FL HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $423 | — | $423 | 1.04% |
| DAVID SOLOMONS3 | 11 E 86TH ST - # 10C NEW YORK, NY 10028 | VISION SERVICE PLAN | $895 | — | $895 | 6.35% |
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 | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 294 | $2.6M |
| Dental | DELTA DENTAL OF NJ, INC. | 358 | $193K |
| Vision | VISION SERVICE PLAN | 141 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $56K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $97K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $56K |
| Prescription drug(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 294 | $2.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.