| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JM BRASSILL GROUP INC3 Filed as: JM BRASSILL GROUP, INC. | ONE HUNTINGTON QUADRANGLE 1S07 MELVILLE, NY 11747 | CARECONNECT INSURANCE COMPANY, INC | $48K | $0 | $48K | 3.56% |
| SAVOY ASSOCIATES3 | 25 B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | CARECONNECT INSURANCE COMPANY, INC | $16K | $0 | $16K | 1.20% |
| JM BRASSILL GROUP INC3 Filed as: JM BRASSILL GROUP, INC. | ONE HUNTINGTON QUADRANGLE 1SO7 MELVILLE, NY 11747 | CARECONNECT INSURANCE COMPANY, INC | $6K | $0 | $6K | 0.44% |
| SAVOY ASSOCIATES3 | 25 8 HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | CARECONNECT INSURANCE COMPANY, INC | $4K | $0 | $4K | 0.30% |
| JM BRASSILL GROUP INC3 Filed as: JM BRASSILL | UNKNOWN LAKE SUCCESS, NY 11042 | EMBLEM HEALTH | $7K | $0 | $7K | 3.85% |
| JM BRASSILL GROUP INC3 Filed as: JM BRASSILL GROUP, INC. | ONE HUNTING QUADRANGLE, SUITE 1SO7 MELVILLE, NY 11747 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 12.89% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 131 TREMONT STREET, 3RD FLOOR BOSTON, MA 02111 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $243 | $0 | $243 | 3.00% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING CO., INC. | 111835 QUEENS BLVD, SUITE 1230 FOREST HILLS, NY 11375 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | $0 | $34 | 0.42% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CARECONNECT INSURANCE COMPANY, INC | 207 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 319 | $100K |
| Vision | DAVIS VISION | 253 | $10K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13 | $8K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13 | $8K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13 | $8K |
| Prescription drug(2 contracts, 2 carriers) | CARECONNECT INSURANCE COMPANY, INC | 207 | $1.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 13 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.