| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $4K | $2K | $5K | 13.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PARKWAY STE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $120 | — | $120 | 0.29% |
| HUGH JEFFREY SNEDDON3 Filed as: HUGH JEFFERY SNEDDON | WYNNEWOODPLANNING CORP178 MYRTLE BLVD STE 106 LARCHMONT, NY 105382048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.54% |
| MICHAEL A BOOK3 | 90 PARK AVE FL17 NEWYORK NEWYORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $524 | $3K | $3K | 10.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | SUITE 310 1305 WALT WHITMAN RD MELVILLE, NY 11747 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $366 | — | $366 | 4.54% |
| ANTHEM INSURANCE COMPANIES, INC.0 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO | — | $38 | $38 | 1.01% |
| LORI L. BELL3 Filed as: LORI L BELL | 188 VAN RENSSELAER AVENUE STAMFORD, CT 06902 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $286 | — | $286 | 9.99% |
| CFS HARTFORD LLC3 Filed as: CFS HARTFORD LLCC | 29 S MAIN STREET 4TH FLOOR WEST HARTFORD CONNECTICUT, CT 06107 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $6 | $0 | $6 | 0.21% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 152 | $26K |
| Dental(3 contracts, 2 carriers) | MERITAIN HEALTH | 205 | $131K |
| Vision | THE GUARDIAN LIFE INSURANCE OF AMERICA | 205 | $41K |
| Life insurance | THE GUARDIAN LIFE INSURANCE OF AMERICA | 205 | $41K |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 20 | $34K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 116 | $385K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 198 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.