| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HWY 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | AETNA | $6K | — | $6K | 7.45% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | AETNA | $3K | — | $3K | 4.14% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HIGHWAY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.83% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP, LLC | 1900 POLARIS PKWY. STE 450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.12% |
| ANTHONY LIBECCI3 | 20 NORMAN PLACE STATEN ISLAND, NY 10309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.01% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVE GUNTERSVILLE, AL 35976 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $821 | — | $821 | 1.58% |
| NORTHEAST FINANCIAL NETWORK3 Filed as: NORTHEAST FINANCIAL NETWORK HO | 101 CRAWFORDS CORNER ROAD STE 2405 HOLMDEL, NJ 07733 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $167 | — | $167 | 0.32% |
| INTERNATIONAL PLANNING ALLIANCE3 Filed as: INTERNATIONAL PLANNING ALLIANCE LLC | 300 BROADACRES DRIVE STE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 0.05% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 211 | $75K |
| Vision | AETNA | 211 | $75K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $52K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 106 | $532K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.