| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON GARD3 | 7901 N 16TH STREET #100 12/01 PHOENIX, AZ 85020 | BLUE CARE NETWORK OF MICHIGAN | $31K | $0 | $31K | 2.99% |
| J GARD BENEFIT CONSULTANTS LLC3 Filed as: J GARD BENEFITS CONSULTANT | J GARD BENEFITS CONSULTANT LLC SCOTTSDALE, AZ 85254 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $27K | $6K | $32K | 15.66% |
| VELOCITY BENEFITS3 | VELOCITY BENEFITS CANTON, GA 30115 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 2.36% |
| JASON GARD3 | 7901 N 16TH STREET #100 12/01 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $0 | $6K | 3.10% |
| J GARD BENEFIT CONSULTANTS LLC3 | 5040 E SHEA BLVD STE 160 SCOTTSDALE, AZ 85254 | ALL SAVERS INSURNACE COMPANY | $6K | $0 | $6K | 5.12% |
| J GARD BENEFIT CONSULTANTS LLC3 Filed as: J GARD BENEFIT CONSULTANTS | 5040 E SHEA BLVD SCOTTSDALE, AZ 85254 | ALL SAVERS INSURNACE COMPANY | $840 | $0 | $840 | 0.69% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 141 | $1.4M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 141 | $207K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 141 | $207K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 141 | $207K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 121 | $1.2M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 141 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.