| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 8 WOODLAND ROAD NEW CITY, NY 10956 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 3.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FI | 1133 WESTCHESTER AVENUE SUITE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 2.38% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 5.19% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 8 WOODLAND ROAD NEW CITY, NY 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.29% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 8 WOODLAND ROAD NEW CITY, NY 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.87% |
| VANGUARD BENEFIT SOLUTIONS, LLC3 Filed as: VANGUARD BENEFIT SOLUTIONS, LL | 8 WOODLAND ROAD NEW CITY, NC 10956 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $646 | — | $646 | 0.45% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 510 ROUTE 304 SUITE 200 NEW CITY, NY 10956 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $451 | — | $451 | 5.40% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA P SMITH | 8 WOODLAND ROAD NEW CITY, NY 10956 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $187 | — | $187 | 2.24% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $681K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $142K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 119 | $8K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $142K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $142K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $142K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.