| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN G. TARPEY3 Filed as: BRIAN G TARPEY | 1066 PINES LAKE DRIVE WEST WAYNE, NJ 07470 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.12% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.00% |
| ACRISURE LLC3 | 310 PASSIAC AVENUE SUITE 202 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $941 | $941 | 1.37% |
| INTERNATIONAL PLANNING ALLIANCE3 Filed as: INTERNATIONAL PLANNING ALL LLC | 200 BROADACRES DRIVE SUITE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42 | — | $42 | 0.06% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE TARPEY GROUP | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | FIRST UNUM LIFE INSURANCE COMPANY | $380 | $28 | $408 | 2.37% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE TARPEY GROUP | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $130 | $2K | 16.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | FEDERAL INSURANCE COMPANY | $323 | — | $323 | 15.57% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $69K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $69K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 165 | $17K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 21 | $12K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 165 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.