| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | HCC LIFE INSURANCE COMPANY | $83K | — | $83K | 26.70% |
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS | 200 WEST ADAMS ST SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $50K | — | $50K | 15.94% |
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | HCC LIFE INSURANCE COMPANY | $31K | — | $31K | 9.99% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $6K | $24K | 14.57% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $162K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $162K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $162K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $162K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 173 | $311K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 329 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.