| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | PO BOX 9953 GLEN VALLEY, VA 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | $2K | $50K | 10.90% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST., 4TH FL. COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 8.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 N. TRADE ST., STE 302 WINSTON SALEM, NC 27101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.99% |
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, LLC | 470 W. HANES MILL RD., STE 100 WINSTON SALEM, NC 27105 | TELADOC HEALTH, INC. | $598 | — | $598 | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC EIN 56-1472467 THIRD PARTY ADMINISTRATO | Claims processing; Contract Administrator Service code 12 | — | $71K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $37K |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC HEALTH, INC. | 170 | $3K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $462K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $462K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $462K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $462K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $462K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNERS GROUP, LLC | 170 | $297K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.