| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITY RE, INC.3 | 24 MARBLE ROAD GLOUCESTER, MA 01930 | INDECS CORPORATION | — | $315K | $315K | 23.14% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER B. SZEM | 188 E. BERGEN PLACE RED BANK, NJ 07701 | INDECS CORPORATION | — | $102K | $102K | 7.47% |
| PHCS3 Filed as: MULTIPLAN | PO BOX 29380 NEW YORK, NY 100879380 | INDECS CORPORATION | — | $10K | $10K | 0.75% |
| HEALTHCARE STRAGETIS3 | PO BOX 37039 BALTIMORE, MD 212973039 | INDECS CORPORATION | — | $7K | $7K | 0.54% |
| PHIA GROUP3 Filed as: THE PHIA GROUP, LLC | PO BOX 499 CANTON, MA 02021 | INDECS CORPORATION | — | $2K | $2K | 0.12% |
| NEWHEALTH LLC3 | 188 EAST BERGEN PLACE, SUITE 104 RED BANK, NJ 07701 | INDECS CORPORATION | — | $2K | $2K | 0.12% |
| TELEDOC3 | PO BOX 123417, DEPT 3417 DALLAS, TX 753123417 | INDECS CORPORATION | — | $2K | $2K | 0.11% |
| DANCOLE ASSOC., INC.3 | 11 CAMERON ROAD SADDLE RIVER, NJ 07458 | GUARDIAN LIFE | $5K | — | $5K | 3.00% |
| ENROLLEASE3 | 660 YORK STREET, STE 102 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE | $3K | — | $3K | 1.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | GUARDIAN LIFE | $3K | — | $3K | 1.58% |
| INTERNATIONAL PLANNING ALLIANCE3 | 300 BROADACRES DRIVE, STE 175 BLOOMFIELD, NJ 07003 | GUARDIAN LIFE | $50 | — | $50 | 0.03% |
| CHRISTOPHER SZEM3 | 3060 NE 40TH CT FT. LAUDERDALE, FL 33308 | GUARDIAN LIFE | $34 | — | $34 | 0.02% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN LIFE | 229 | $171K |
| Dental | GUARDIAN LIFE | 229 | $171K |
| Vision | GUARDIAN LIFE | 229 | $171K |
| Life insurance | GUARDIAN LIFE | 229 | $171K |
| Long-term disability | GUARDIAN LIFE | 229 | $171K |
| Stop-loss / reinsurancereinsurance | INDECS CORPORATION | 248 | $1.4M |
| Other | GUARDIAN LIFE | 229 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.