| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | $30K | — | $30K | 2.49% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE MIDWEST | 1111 CHESTNUT HILLS PARKWAY FORT WAYNE, IN 46814 | GUARDIAN | $17K | — | $17K | 11.30% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $2K | — | $2K | 1.62% |
| INSUREYOURPEOPLE, LLC3 | 50 BEALE STREET 10TH FLOOR SAN FRANCISCO, CA 94105 | GUARDIAN | -$136 | — | -$136 | -0.09% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | -$253 | — | -$253 | -0.17% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 170 | $1.2M |
| Dental | GUARDIAN | 100 | $146K |
| Vision | GUARDIAN | 100 | $146K |
| Life insurance | GUARDIAN | 100 | $146K |
| Short-term disability | GUARDIAN | 100 | $146K |
| Long-term disability | GUARDIAN | 100 | $146K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 170 | $1.2M |
| Other | GUARDIAN | 100 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.