| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526W ROCKVILLE CENTRE, NY 11570 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 6.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 16341 AMOTA CT ENCINO, CA 91436 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.20% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY, INC. | $12K | — | $12K | 3.63% |
| UNITED BENEFIT SOLUTION LLC3 | 100 MERRICK ROAD #526W ROCKVILLE CENTRE, NY 11570 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 2.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 0.50% |
| UNITED BENEFIT SOLUTIONS LLC3 Filed as: UNITED BENEFIT SOLUTIONS, LLC | 100 MERRICK ROAD SUITE 526W ROCKVILLE CENTRE, NY 11570 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 7.56% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY ROAD #403 WOODBURY, NY 11797 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.78% |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 693 | $775K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 886 | $498K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 693 | $445K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 693 | $445K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 693 | $445K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 693 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.