| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL3 | 2525 EAST ARIZONA BILTMORE CIRCLE SUITE D144 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.27% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 4700 ROCKSIDE ROAD, SUITE 540 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $465 | — | $465 | 0.73% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 4700 ROCKSIDE ROAD, SUMMIT 1 SUITE 540 CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $360 | $4K | 10.80% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 2525 EAST ARIZONA BILTMORE CIRCLE SUITE D144 PHOENIX, AZ 85016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.20% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 4700 ROCKSIDE ROAD, SUMMIT 1 SUITE 540 CLEVELAND, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $298 | $4K | 13.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $203 | $203 | 0.81% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $64K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $35K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.