| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| POWER & WALSH INSURANCE ADVISORS3 Filed as: POWER AND WALSH INSURANCE ADVISORS | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.28% |
| POWER & WALSH INSURANCE ADVISORS3 Filed as: POWER AND WALSH INSURANCE ADVISORS | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.93% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE, ROOM 703 NEW YORK, NY 10017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $926 | $926 | 4.46% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK, INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | UNUM INSURANCE COMPANY | $681 | $13 | $694 | 8.49% |
| POWER & WALSH INSURANCE ADVISORS3 Filed as: POWER AND WALSH INSURANCE ADVISORS | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | UNUM INSURANCE COMPANY | $453 | $0 | $453 | 5.54% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $46K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $46K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $21K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $21K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.