| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 9.53% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 8 FLETCHER PLACE MELVILLE, NY 11747 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.46% |
| FOREST HILLS FINANCIAL GROUP3 Filed as: FOREST HILLS FINANCIAL GROUP N | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $168 | $0 | $168 | 0.20% |
| ROBIN H. ALSTON3 | PO BOX 20787 ATLANTA, GA 30320 | SYMETRA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 20.00% |
| SOTERIA PARTNERS LLC3 | 8 SPRUCE STREET NEW YORK, NY 10038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 28.75% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 125 PARK AVENUE NEW YORK, NY 10017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 11.16% |
| LAWRENCE R. ESTRIDGE3 | 9 MELISSA TERRACE MIDDLETOWN, NY 10941 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.26% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $85K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $85K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $21K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $61K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.