| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS. INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAGE, NY 11788 | DELTA DENTAL OF NEW JERSEY, INC. | $10K | $0 | $10K | 5.00% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 6.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 6.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | EXPRESS SCRIPTS, INC. | $120 | $0 | $120 | 0.30% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 283 | $2.4M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 369 | $193K |
| Vision | VISION SERVICE PLAN | 138 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $53K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $53K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $53K |
| Prescription drug(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 283 | $2.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.