| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUEPRINT BENEFIT ADVISORS3 Filed as: BLUEPRINT BENEFIT ADVISORS LLC | 109 SANFORD STREET HAMDEN, CA 06514 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 8.83% |
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET STE 106 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 5.85% |
| BRADLEY K BIEL3 | 225 GRAND ST APT 706 JERSEY CITY, NJ 07302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.60% |
| WORKSITE WHEELHOUSE3 Filed as: WORKSITE WHEELHOUSE LLC | 103-107 CHURCH ST 3 PHILADELPHIA, PA 19106 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.06% |
| AEGIS WEALTH PARTNERS LLC3 | 1291 BOSTON POST RD STE 101 MADISON, CT 06443 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41 | $0 | $41 | 0.04% |
| BLUEPRINT BENEFIT ADVISORS3 Filed as: BLUEPRINT BENEFIT ADVISORS LLC | 109 SANIFORD STREET HAMDEN, CT 06514 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.86% |
| AEGIS WEALTH PARTNERS LLC3 | 1291 BOSTON POST RD SUITE 101 MADISON, CT 06443 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.05% |
| MATTHEW LUCIANI3 | 24 EATON WOODS RD HAMDEN, CT 06518 | VISION BENEFITS OF AMERICA | $198 | $0 | $198 | 6.42% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $132K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $107K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $132K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $132K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $104K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 92 | $204K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.