| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANGUARD BENEFIT SOLUTIONS, LLC3 Filed as: VANGUARD BENEFITS SOLUTIONS LLC | 510 ROUTE 304, SUITE 200 NEW CITY, NY 10956 | AETNA LIFE INSURANCE COMPANY | $159K | $0 | $159K | 3.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 0.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DRIVE DALLAS, NY 75251 | AETNA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 0.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | $46K | $11K | $57K | 7.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | $12K | $0 | $12K | 1.57% |
| VANGUARD BENEFIT SOLUTIONS, LLC3 | 8 WOODLAND ROAD NEW CITY, NY 10956 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $3K | $0 | $3K | 6.63% |
| VANGUARD BENEFIT SOLUTIONS, LLC3 | 180 PHILLIPS HILL ROAD, SUITE 2A NEW CITY, NY 10056 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $992 | $0 | $992 | 2.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $346 | $0 | $346 | 0.86% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P. SMITH | 8 WOODLAND ROAD NEW CITY, NY 10956 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $5 | $0 | $5 | 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 | 481 | 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) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 679 | $4.8M |
| Dental | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 481 | $763K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 562 | $803K |
| Life insurance | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 481 | $763K |
| Short-term disability | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 481 | $763K |
| Long-term disability | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 481 | $763K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 679 | $4.8M |
| Other | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 481 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
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.