| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE BROKERS OF GEORGIA3 | 212 S 10TH STREET GRIFFIN, GA 30224 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $137K | $21K | $158K | 15.51% |
| MEDOVA HEALTHCARE5 | 345 N RIVERVIEW STREET SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE AGENCY | $0 | $49K | $49K | 80.34% |
| INSURANCE BROKERS OF GEORGIA3 | 212 SOUTH 10TH STREET GRIFFIN, GA 30224 | NATIONAL HEALTH INSURANCE AGENCY | $45K | $0 | $45K | 74.20% |
| PHCS4 Filed as: MULTIPLAN INC- PHCS | P.O. BOX 29380 NEW YORK, NY 10087 | NATIONAL HEALTH INSURANCE AGENCY | $0 | $7K | $7K | 10.98% |
| CARE ADVOCATES4 | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE AGENCY | $0 | $718 | $718 | 1.18% |
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 | 1,109 | 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) | 1,109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,109 | $1.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,109 | $1.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,109 | $1.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,109 | $1.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,109 | $1.0M |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE AGENCY | 302 | $61K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,109 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,109 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.