| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $702 | $11K | 3.21% |
| UNKNOWN3 | UNKNOWN NEW YORK, NY 10010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 2.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $578 | $578 | 0.32% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFIT COMPANY | 899 CASSATT ROAD, SUITE 200 400 BERWYN PARK BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | -$3 | — | -$3 | -0.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | HARTFORD LIFE AND ACCIDENT | -$14 | — | -$14 | -0.01% |
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 | 3,931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 778 | $340K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,931 | $178K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,931 | $178K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,931 | $178K |
| Other | HARTFORD LIFE AND ACCIDENT | 3,931 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,931 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.