| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARCWOOD BENEFITS CONSULTING, INC.3 | — | ENCHOICE, INC. EMPLOYEE BENEFIT PLAN | $58K | $0 | $58K | 17.91% |
| HAWAII MAINLAND ADMINISTRATORS5 | — | ENCHOICE, INC. EMPLOYEE BENEFIT PLAN | $49K | $0 | $49K | 15.05% |
| CIGNA1 Filed as: CIGNA-CWI BENEFITS | — | ENCHOICE, INC. EMPLOYEE BENEFIT PLAN | $17K | $0 | $17K | 5.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N. CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 11.87% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY INC | 5080 N 40TH ST #400 PHOENIX, AZ 85018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $280 | $0 | $280 | 0.14% |
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 | 83 | 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) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ENCHOICE, INC. EMPLOYEE BENEFIT PLAN | 83 | $325K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $204K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $204K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $204K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $204K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $204K |
| Prescription drug | ENCHOICE, INC. EMPLOYEE BENEFIT PLAN | 83 | $325K |
| Stop-loss / reinsurancereinsurance | ENCHOICE, INC. EMPLOYEE BENEFIT PLAN | 83 | $325K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.