| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HEALTH CARE SERVICE CORPORATION | $97K | $2K | $99K | 4.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 6.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC. | 5250 CORPORATE DRIVE, SUITE 200 TROY, MI 48098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $18K | $18K | 3.86% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.25% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 NORTH MILDRED AVENUE, #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.36% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55462 | SELECT HEALTH | $14K | $510 | $15K | 5.07% |
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 | 1,769 | 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) | 1,769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH CARE SERVICE CORPORATION | 1,769 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,769 | $460K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,769 | $460K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,769 | $460K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,769 | $460K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 267 | $2.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,769 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,769 | — |
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.