| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK REPLACEMENT SERVICES INC | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | AMERIHEALTH INSURANCE COMPANY | $79K | — | $79K | 3.89% |
| ASURE BENEFITS MANAGEMENT LLC3 | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.54% |
| THE WILSHIRE GROUP LLC3 | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 10.99% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURE BENEFITS MANAGEMENT LLC | 405 COLORADO STREET, SUITE 1800 AUSTIN, TX 78701 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 6.92% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 367 | $2.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $170K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 355 | $22K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 367 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.