| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $19K | 13.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $816 | $5K | 17.83% |
| PLANS PLUS LTD.3 Filed as: PLANS PLUS, LTD. | 20 BROADHOLLOW ROAD MELVILLE, KY 11747 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $3K | — | $3K | 12.38% |
| HJM GROUP, INC.3 | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $1K | — | $1K | 4.69% |
| PLANS PLUS LTD.3 Filed as: PLANS PLUS, LTD | 20 BROADHOLLOW ROAD SUITE 2001 MELVILLE, NY 11747 | AIG BENEFIT SOLUTIONS | $2K | — | $2K | 9.70% |
| HJM GROUP, INC.3 Filed as: HJM GROUP, INC | — | AIG BENEFIT SOLUTIONS | $495 | — | $495 | 3.18% |
| PLANS PLUS LTD.3 Filed as: PLANS PLUS LTD | 20 BROADHOLLOW ROAD SUITE 2001 MELVILLE, NY 11747 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $559 | — | $559 | 8.72% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $210 | — | $210 | 3.28% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $148K |
| Vision(3 contracts, 3 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 151 | $46K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 430 | $31K |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 429 | $106K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 430 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.