No brokers reported on this filing.
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 | 5,100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,953 | $744K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,953 | $496K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,548 | $769K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,079 | $3.2M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,098 | $2.8M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,098 | $2.8M |
| Other(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5,079 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,098 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.