| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 COPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $333 | $3K | 16.78% |
| 360 CORP. BEN. ADVISORS3 Filed as: 360 CORP.BEN. ADVISORS | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $308 | $3K | 16.78% |
| 360 CORPORATE BENEFIT ADVISORS3 Filed as: 360 CORPORATE BENEFITS ADVISORS | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $307 | $3K | 17.05% |
| 360 CORP. BEN. ADVISORS3 | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $309 | $40 | $349 | 16.97% |
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 | 208 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $121K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $121K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $15K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.