See 2 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 3 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE CO. EIN 13-5123390 NONE | Claims processing Service code 12 | COMPANY OF AMERICA NEW YORK, NY 10004 | $73K |
| NFADA EIN 16-0365254 PLAN SPONSOR | Contract Administrator Service code 13 | 1144 WEHRLE DRIVE WILLIAMSVILLE, NY 14221 | $33K |
| DOPKINS & COMPANY, LLP EIN 16-0929175 AUDITOR | Accounting (including auditing) Service code 10 | 200 INTERNATIONAL DRIVE WILLIAMSVILLE, NY 14221 | $13K |
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 | 1,549 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 1,549 | $97K |
| Vision | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 1,549 | $97K |
| Life insurance | THE GUARDIAN LIFE INS COMPANY OF AMERICA | 1,396 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,549 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.