| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 13.55% |
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.03% |
| PROFESSIONAL GROUP MARKET3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10583 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 8.61% |
| PROFESSIONAL GROUP MARKET3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10583 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 9.30% |
| PROFESSIONAL GROUP MARKET3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10583 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 14.84% |
| PROFESSIONAL GROUP MARKET3 | 50 BROADWAY 2ND FLR HAWTHORNE, NY 10583 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 14.29% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $51 | — | $51 | 1.03% |
| HOWARD DILEMA3 | 100 JAY STREET APARTMENT 14 J BROOKLYN, NY 11201 | THE PAUL REVERE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.63% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.39% |
| PROFESSIONAL GROUP MARKETING INC3 | ATTN JEROME TEPPER HAWTHORNE, NY 10532 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.30% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $68K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $68K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 124 | $44K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 8 | $5K |
| Long-term disability(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 123 | $31K |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 124 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.