| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARECONNECT INSURANCE AGENCY INC3 Filed as: CARECONNECT INSURANCE AGENCY, INC. | 2200 NORTHERN BOULEVARD EAST HILLS, NY 11548 | OXFORD HEALTH INSURANCE, INC. | $82K | $75 | $82K | 2.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | OXFORD HEALTH INSURANCE, INC. | $82K | $0 | $82K | 2.90% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 7.23% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P. SMITH | 510 ROUTE 304, SUITE 200 NEW CITY, NY 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 5.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 2.98% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 628 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $450K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $450K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $450K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $450K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $450K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 628 | $2.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 477 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.