| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGERS LLC3 Filed as: BENEFIT MANAGERS, LLC | 214-25 42ND AVENUE BAYSIDE, NY 11361 | OXFORD HEALTH INSURANCE, INC. | $49K | — | $49K | 1.96% |
| SCOTT A. HARWOOD3 Filed as: SCOTT HARWOOD | 1000 WOODBURY ROAD WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | $38K | — | $38K | 1.52% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | — | $34K | $34K | 1.35% |
| BENEFIT MANAGERS LLC3 Filed as: BENEFIT MANAGERS, LLC | 214-25 42ND AVENUE, 3RD FLOOR BAYSIDE, NY 11361 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.31% |
| SCOTT A. HARWOOD3 | 40 TIFFANY CIRCLE MANHASSETT, NY 11030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.97% |
| PARKER CONRAD3 Filed as: PARKER R. CONRAD | 650 CHRUCH STREET, SUITE 3 SAN FRANCISCO, CA 94114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.65% |
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 | 608 | 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) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 567 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 608 | $249K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 608 | $249K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 608 | $249K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 608 | $249K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 608 | $249K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 567 | $2.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 608 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.