| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: CREATIVE RISK MANAGEMENT INC | PO BOX 650 NYACK, NY 10960 | SYMETRA LIFE INSURANCE COMPANY | $38K | — | $38K | 7.00% |
| EMERSON REID LLC3 | 350 5TH AVE NEW YORK, NY 10118 | SYMETRA LIFE INSURANCE COMPANY | $27K | $2K | $29K | 5.31% |
| SCHEINMAN, ANTHONY M3 | 151 CEDAR LN OSSINING, NY 10562 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 3.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 14.60% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N.KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $861 | — | $861 | 1.79% |
| JON STUART BELINKIE3 | 17535 APPLEWOOD LN DERWOOD, MD 208551501 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.02% |
| JON STUART BELINKIE3 Filed as: JON BELINKIE | PO BOX 5743 DERWOOD, MD 208550743 | VISION SERVICE PLAN | $342 | — | $342 | 10.02% |
| TAYLOR & TAYLOR ASSOCIATES3 Filed as: TAYLOR & TAYLOR ASSOCIATES INC | 271 MADISON AVENUE NEW YORK, NY 10016 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $293 | — | $293 | 14.99% |
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 | 898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 127 | $1.2M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 65 | $91K |
| Vision(2 contracts) | VISION SERVICE PLAN | 452 | $81K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 898 | $589K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 898 | $589K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 898 | $589K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,553 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,553 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.