| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH, JOSHUA3 | 8 WOODLAND ROAD NEW CITY, NY 10956 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $124K | — | $124K | 4.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $57K | $57K | 1.98% |
| VANGUARD BENEFIT SOLUTIONS, LLC3 Filed as: VANGUARD BENEFITS SOLUTIONS LLC | 510 ROUTE 304 SUITE 200 NEW CITY, NY 10956 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $13K | — | $13K | 0.44% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 4.60% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 8 WOODLAND ROAD NEW CITY, NY 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.59% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 8 WOODLAND ROAD NEW CITY, NY 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.95% |
| VANGUARD BENEFIT SOLUTIONS, LLC3 Filed as: VANGUARD BENEFIT SOLUTIONS, LL | 8 WOODLAND ROAD NEW CITY, NY 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.50% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.16% |
| SMITH, JOSHUA3 Filed as: SMITH, JOSHUA P -BOR | 8 WOODLAND ROAD NEW CITY, NY 10956 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 5.40% |
| VANGUARD BENEFIT SOLUTIONS, LLC3 | 8 WOODLAND ROAD NEW CITY, NY 10956 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 5.30% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 366 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $635K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $677K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $635K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $635K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $635K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $635K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.