| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASHTON BENEFITS3 Filed as: ASHTON BENEFITS CORP | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 7.19% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.99% |
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| BRADLEY GREENBERG3 | 150 LAKE STREET CLOSTER, NJ 07624 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $721 | $721 | 4.39% |
| WAG NY INC3 Filed as: WAG NEW YORK INC | 250 CROSSWAYS PK DRIVE WOODBURY, NY 11797 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 0.20% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 359 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 479 | $200K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 479 | $200K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 479 | $200K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 479 | $200K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 55 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.