| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 430 CENTER AVENUE, SUITE 2 MAMARONECK, NY 10543 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.19% |
| PROF FINANCIAL PLAN LLC3 | 585 STEWART AVENUE GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37 | $0 | $37 | 0.03% |
| CHARLES GOODMAN CONSULTING LTD3 | 1210 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| 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 | $12K | $0 | $12K | 20.00% |
| CHARLES GOODMAN CONSULTING LTD3 | 1210 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| 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 ROAD BRIARCLIFF MANOR, NY 10510 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $0 | $0 | — |
| CHARLES GOODMAN CONSULTING LTD3 | 1210 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | COMPANION LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| CHARLES GOODMAN CONSULTING LTD3 | 1210 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $116K |
| Life insurance(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $75K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $20K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $60K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 170 | $294K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.