| 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 | 8.79% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 8 FLETCHER PLACE MELVILLE, NY 11747 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SRVICES NY LLC | 200 PARK AVENUE SUITE 3202 NEW YORK, NY 10166 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $739 | $0 | $739 | 0.86% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CA 06492 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $346 | $0 | $346 | 0.40% |
| FOREST HILLS FINANCIAL GROUP3 Filed as: FOREST HILLS FINANCIAL GROUP N | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39 | $0 | $39 | 0.05% |
| NEW YORK RHB, LLC3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.01% |
| ROBIN H. ALSTON3 | PO BOX 20787 ATLANTA, GA 30320 | SYMETRA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 22.79% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 23.82% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 8 FLETCHER PL MELVILLE, NY 11747 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.00% |
| LAWRENCE R. ESTRIDGE3 | 9 MELISSA TERRACE MIDDLETOWN, NY 10941 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE STE 3202 NEW YORK, NY 10166 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.14% |
| ISABEL BERARTEZ3 | 2941 ASPEN DR ABILENE, TX 79601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $85K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $85K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $25K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $55K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.