| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASHTON BENEFITS3 Filed as: ASHTON BENEFITS CORP | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 076323107 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 8.83% |
| GA SOLUTIONS LLC3 | 50 BROADWAY STE 2 HAWTHORNE, NY 105321253 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 4.76% |
| BRADLEY BOLICK3 Filed as: BRADLEY A GREENBERG | 150 LAKE STREET CLOSTER, NJ 07624 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.43% |
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $198 | — | $198 | 1.57% |
| HOWARD J. ELIAS, INC.3 | 355 LEXINGTON AVE 9TH FLOOR NEW YORK, NY 10017 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $88 | — | $88 | 0.70% |
| WAG NY INC3 Filed as: WAG NEW YORK INC. | 250 CROSSWAYS PARK DR WOODBURY, NY 11797 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASHTON BENEFITS BROKER/AGENT | Other services Service code 49 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | $42K |
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 | 408 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 268 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 401 | $166K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 401 | $166K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 401 | $166K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 401 | $166K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 42 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.
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.