| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK L. HELMICK3 | 455 DRESHERTOWN ROAD FORT WASHINGTON, PA 19034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.14% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.59% |
| HELMICK JR, FREDERICK L3 Filed as: HELMICK AND COMPANY, LLC | 1717 ARCH STREET, SUITE 3940 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| TIMOTHY MCANDREWS3 | 150 ALLEN ROAD, SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $2K | — | $2K | 4.89% |
| MJ INSURANCE3 Filed as: MICHAEL BENDER AND VARIOUS AGENTS | 7803 ORCHARD GATE COURT BETHESDA, MD 20817 | AFLAC | $678 | — | $678 | 2.10% |
| DANIEL A VERDUN3 Filed as: DANIEL A. VERDUN | 1106 GATES COURT MORRIS PLAINS, NJ 07950 | AFLAC | $544 | — | $544 | 1.68% |
| ANDREW D WALLER3 Filed as: ANDREW D. WALLER | 11800 LINDEN CHAPEL ROAD CLARKSVILLE, MD 21029 | AFLAC | $264 | — | $264 | 0.82% |
| FRED A KRESSATY3 Filed as: FRED A. KRESSATY | 155 PARISH DRIVE WAYNE, NJ 07470 | AFLAC | $191 | — | $191 | 0.59% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGWAY 46 SUITE H-119 FAIRFIELD, NJ 07004 | AFLAC | $154 | — | $154 | 0.48% |
| ANNE M WALLER3 Filed as: ANNE M. WALLER | 11800 LINDEN CHAPEL ROAD CLARKVILLE, MD 21029 | AFLAC | $119 | — | $119 | 0.37% |
| SWETT AND CRAWFORD3 | 1760 SOUTH TELEGRAPH ROAD SUITE 200 BLOONFIELD HILLS, MI 48302 | ACE AMERICAN INSURANCE COMPANY | $121 | — | $121 | 7.51% |
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 | 709 | 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) | 709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 709 | $176K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $70K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 709 | $176K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 709 | $176K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.