| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL BENEFITS, INC. | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 15058 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | $0 | $7K | 2.81% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVENUE, SUITE 220 HARRISON, NY 15058 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $443 | $3K | 14.90% |
| PETRONE ASSOCIATES, INC Filed as: PETRONE ASSOCIATES, INC. | 2 RESEARCH WAY, 1ST FLOOR PRINCETON, NJ 08540 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | $0 | $21 | 0.09% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 0.07% |
| DAAM, LLC3 | 2 RESEARCH WAY PRINCETON, NJ 08540 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 0.04% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 726 | $3.6M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,058 | $248K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 27 | $23K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 27 | $23K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 726 | $3.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 27 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,058 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.