| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE, LLC | 445 HAMILTON AVE 10TH FL WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY | $27K | $3K | $30K | 6.42% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE, LLC | 445 HAMILTON AVE 10TH FL WHITE PLAINS, NY 10601 | VISION SERVICE PLAN | $3K | — | $3K | 2.63% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 445 HAMILTON AVE 10TH FL WHITE PLAINS, NY 10601 | METROPOLITAN LIFE INSURANCE COMPANY | $770 | — | $770 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MNGT | Other fees; Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $2.7M |
| UNITED HEALTH SERVICES, INC. EIN 41-1289245 MED/DENT CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $560K |
| ASSUREDPARTNERS NE, LLC EIN 45-3443572 MEDICAL/DENTAL BROKER | Other commissions Service code 55 | — | $138K |
| UNITED HEALTHCARE SERVICES, INC. | Claims processing; Other services Service code 12 | — | $0 |
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 | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 518 | $96K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 634 | $464K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 634 | $464K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 634 | $464K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 634 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.