| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PKWY STE 300 DEER PARK, IL 600103231 | UNITEDHEALTH INSURANCE COMPANY | $76K | — | $76K | 2.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | UNITEDHEALTH INSURANCE COMPANY | $69K | — | $69K | 1.85% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $8K | $29K | 4.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 3.04% |
| H E INSURANCE INC3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $158 | — | $158 | 0.02% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY #300 DEER PARK, IL 60010 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $304 | — | $304 | 15.01% |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTH INSURANCE COMPANY | 630 | $3.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $646K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $646K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $646K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $646K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $646K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $648K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.