| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $724 | $36K | 8.21% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 2.91% |
| PARAMOUNT STRATEGIES GROUP INC3 Filed as: PARAMOUNT ENROLLMENT SOLUTIONS INC | — | COMBINED INSURANCE COMPANY OF AMERICA | $478 | — | $478 | 13.58% |
| BRYAN FISH3 Filed as: BRYAN SCHWARTZ | — | COMBINED INSURANCE COMPANY OF AMERICA | $390 | — | $390 | 11.08% |
| NATHAN L HARRISON3 Filed as: NATHAN WEISS | — | COMBINED INSURANCE COMPANY OF AMERICA | $311 | — | $311 | 8.84% |
| MICHAEL C WALKER3 Filed as: MICHAEL LOUREIRO | — | COMBINED INSURANCE COMPANY OF AMERICA | $185 | — | $185 | 5.26% |
| JUSTIN C CARSON3 Filed as: JUSTIN ETTS | — | COMBINED INSURANCE COMPANY OF AMERICA | $170 | — | $170 | 4.83% |
| MICHAEL C WALKER3 Filed as: MICHAEL GREENBERG | — | COMBINED INSURANCE COMPANY OF AMERICA | $78 | — | $78 | 2.22% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | — | COMBINED INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 1.16% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN KRAKOFSKY | — | COMBINED INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.23% |
| DOROTHY RING3 Filed as: DOROTHY GREENBERG | — | COMBINED INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.17% |
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 | 662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMBINED INSURANCE COMPANY OF AMERICA | 39 | $4K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $441K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $441K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $441K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $441K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 662 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.