| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HWY 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | AETNA | $7K | — | $7K | 7.69% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | AETNA | $4K | — | $4K | 4.27% |
| 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 | $935 | — | $935 | 5.52% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HIGHWAY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $564 | — | $564 | 3.33% |
| ANTHONY LIBECCI3 | 20 NORMAN PLACE STATEN ISLAND, NY 10309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $423 | — | $423 | 2.50% |
| INTERNATIONAL PLANNING ALLIANCE3 Filed as: INTERNATIONAL PLANNING ALLIANCE LLC | 300 BROADACRES DRIVE STE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.06% |
| 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 | $8 | — | $8 | 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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 195 | $85K |
| Vision | AETNA | 195 | $85K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 22 | $17K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 102 | $467K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 22 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.