| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $81K | $10K | $91K | 9.23% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $9K | — | $9K | 2.51% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 1.79% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE ROOM 703 NEW YORK, NY 10017 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| BENCHMARK PLANNING GROUP LLC3 Filed as: BENCHMARK PLANNING GROUP | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | VISION SERVICE PLAN | $2K | — | $2K | 3.45% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE ROOM 703 NEW YORK, NY 10017 | VISION SERVICE PLAN | $268 | — | $268 | 5.00% |
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 | 786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 488 | $350K |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 775 | $1.1M |
| Vision(2 contracts) | VISION SERVICE PLAN | 503 | $63K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 775 | $1.1M |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 775 | $1.1M |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 439 | $135K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 775 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.