| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 1210 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.71% |
| CHARLES GOODMAN CONSULTING LTD3 | 1210 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 20.00% |
| CHARLES GOODMAN CONSULTING LTD3 | 1210 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 20.00% |
| CHARLES GOODMAN CONSULTING LTD3 | 1210 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.97% |
| CHARLES GOODMAN CONSULTING LTD3 | 1210 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| CHARLES GOODMAN CONSULTING LTD3 | 1210 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.95% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $128K |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $76K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $23K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $75K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 175 | $410K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.