| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | OXFORD HEALTH INSURANCE, INC. | $74K | — | $74K | 4.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | UNITED HEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 3.33% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $13K | — | $13K | 5.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.99% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.60% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 492 | $3.7M |
| Dental | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 763 | $263K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 763 | $263K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $16K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $57K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 347 | $125K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 347 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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."
No prospect flags tripped on this filing.