| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERV3 | ONE BLUE HILL PLAZA PEARL RIVER, NY 10965 | GUARDIAN | $44K | $0 | $44K | 10.39% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 | ONE BLUE HILL PLAZA PO BOX 1689 PEARL RIVER, NY 10965 | ALPHA DENTAL PROGRAMS, INC. | $4K | $0 | $4K | 7.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | ONE BLUE HILL PLAZA 12TH FLOOR PEARL RIVER, NY 10965 | ALPHA DENTAL PROGRAMS, INC. | $1K | $0 | $1K | 2.59% |
| CAPACITY BENEFITS & FINANCIAL SERV3 | ONE BLUE HILL PLAZA PO BOX 1689 PEARL RIVER, NY 10965 | DELTA DENTAL OF NEW JERSEY, INC. | $20K | $0 | $20K | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 BLUE HILL PLAZA 12TH FLOOR PEARL RIVER, NY 10965 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | $0 | $7K | — |
| CAPACITY BENEFITS & FINANCIAL SERV3 | ONE BLUE HILL PLAZA PO BOX 1689 PEARL RIVER, NY 10965 | GUARDIAN | $0 | $0 | $0 | — |
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 | 2,119 | 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) | 2,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN | 149 | $0 |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 2,119 | $474K |
| Vision | DELTA DENTAL OF NEW JERSEY, INC. | 1,739 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,119 | — |
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.
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.