| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | ANTHEM HEALTH PLANS, INC. | $21K | $2K | $23K | 3.13% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 7.33% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE, LLC | 351 MAIN STREET OXFORD, MA 01540 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $2K | $2K | $4K | 14.13% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 179 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $232K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $232K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $261K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 291 | $29K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 179 | $2.8M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.