| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 125 BELLOWS LANE NEW CITY, NY 10956 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $46K | $46K | 2.31% |
| CENTERTONE INS & FIN SERV3 | 1133 WESTCHESTER AVENUE SUITE 229 WHIITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $40K | $40K | 2.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $14K | $14K | 0.69% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 510 ROUTE 304 SUITE 200 NEW CITY, NY 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.55% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.52% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $278 | $2K | 10.12% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 510 ROUTE 304 SUITE 200 NEW CITY, NY 10956 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.69% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 510 ROUTE 304 SUITE #200 NEW CITY, NY 10956 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.10% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 145 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $238K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 306 | $16K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $261K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $261K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.