| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FIN SVCS | GROUP LLC P.O. BOX 1689 PEARL RIVER, NY 10965 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | — | $101K | 4.00% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY FINANCIAL SERVICES, LLC | 1 INTERNATIONAL BLVD #340 MAHWAH, NJ 07495 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.12% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS & FIN SVCS GROUP | 1 INTERNATIONAL BLVD MAHWAH, NJ 07495 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 9.67% |
| CAPACITY BENEFITS AND FINANCIAL3 Filed as: CAPACITY BENEFITS & FINANCIAL | SERVICES GROUP, LLC 1 INTERNATIONAL BOULEVARD MAHWAH, NJ 07495 | EYEMED VISION CARE - FIDELITY LIFE INSURANCE COMPANY | $4K | — | $4K | 13.40% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS AND FINANCIA. | ONE INTERNATIONAL BLVD SUITE 300 MAHWAH, NJ 07495 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 31.74% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 440 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $19K |
| Vision | EYEMED VISION CARE - FIDELITY LIFE INSURANCE COMPANY | 245 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $79K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.
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.