| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 30A VREELAND ROAD FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | $0 | $60K | 4.13% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P. SMITH | 8 WOODLAND ROAD NEW CITY, NY 10956 | UNITEDHEALTHCARE INSURANCE COMPANY | $146 | $0 | $146 | 0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $91 | $0 | $91 | 0.01% |
| VANGUARD BENEFIT SOLUTIONS, LLC3 Filed as: VANGUARD BENEFITS SOLUTIONS LLC | 180 PHILLIPS HILL ROAD, SUITE 2-A NEW CITY, NY 10956 | UNITEDHEALTHCARE INSURANCE COMPANY | -$51 | $0 | -$51 | -0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 55 LIVINGSTON AVENUE ROSELAND, NJ 07068 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 10.63% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.14% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P. SMITH | 8 WOODLAND ROAD NEW CITY, NY 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $393 | $393 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE, 2ND FLOOR ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 4.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | PO BOX 369 ROSELAND, NY 07068 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 16.29% |
| VANGUARD BENEFIT SOLUTIONS, LLC3 Filed as: VANGUARD BENEFITS SOLUTIONS, LLC | 8 WOODLAND ROAD NEW CITY, NY 10956 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $469 | $0 | $469 | 4.21% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $1.5M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $187K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 215 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $96K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $96K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $1.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.