| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITY RE, INC.3 | 24 MARBLE ROAD GLOUCESTER, MA 01930 | INDECS CORPORATION | — | $286K | $286K | 64.93% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER B. SZEM | 188 E. BERGEN PLACE RED BANK, NJ 07701 | INDECS CORPORATION | — | $90K | $90K | 20.41% |
| PHCS3 Filed as: MULTIPLAN | PO BOX 29380 NEW YORK, NY 100879380 | INDECS CORPORATION | — | $6K | $6K | 1.36% |
| HEALTHCARE STRAGETIS3 | PO BOX 37039 BALTIMORE, MD 212973039 | INDECS CORPORATION | — | $6K | $6K | 1.28% |
| PHIA GROUP3 Filed as: THE PHIA GROUP, LLC | PO BOX 499 CANTON, MA 02021 | INDECS CORPORATION | — | $2K | $2K | 0.34% |
| TELEDOC3 | PO BOX 123417, DEPT 3417 DALLAS, TX 753123417 | INDECS CORPORATION | — | $1K | $1K | 0.31% |
| OCA3 | 3705 QUAKERBRIDGE ROAD, STE 216 MERCERVILLE, NJ 08619 | INDECS CORPORATION | — | $1K | $1K | 0.24% |
| CHRISTOPHER SZEM3 | 3060 NE 40TH CT FT. LAUDERDALE, FL 33308 | GUARDIAN LIFE | $5K | $0 | $5K | 3.62% |
| DANCOLE ASSOC., INC.3 | 11 CAMERON ROAD SADDLE RIVER, NJ 07458 | GUARDIAN LIFE | $5K | $0 | $5K | 3.62% |
| ENROLLEASE3 | 500 TREAT AVE, STE 200 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE | $3K | $0 | $3K | 2.10% |
| INTERNATIONAL PLANNING ALLIANCE3 | 300 BROADACRES DRIVE, STE 175 BLOOMFIELD, NJ 07003 | GUARDIAN LIFE | $88 | $0 | $88 | 0.06% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN LIFE | 161 | $151K |
| Dental | GUARDIAN LIFE | 161 | $151K |
| Vision | GUARDIAN LIFE | 161 | $151K |
| Life insurance | GUARDIAN LIFE | 161 | $151K |
| Long-term disability | GUARDIAN LIFE | 161 | $151K |
| Stop-loss / reinsurancereinsurance | INDECS CORPORATION | 161 | $441K |
| Other | GUARDIAN LIFE | 161 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.