| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TN 75251 | THE GUARDIAN LIFE INSURANCE COMPANY | $107K | $7K | $114K | 16.27% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | — | $31K | 32.62% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $254 | $3K | 3.41% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $161 | $2K | 2.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $107 | $107 | 0.11% |
| ARTHUR T GRUTT JR3 Filed as: ARTHUR GRUTT | 875 AVENUE OF THE AMERICAS STE 801 NEW YORK, NY 10001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.06% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | — | $16K | 19.96% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $13 | $1K | 1.56% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | -$56 | $1K | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BLDG 2, SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | FIRST UNUM LIFE INSURANCE COMPANY | — | $7 | $7 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 9.80% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING DBA DKG INS | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | METROPOLITAN GENERAL INSURANCE COMPANY | $669 | — | $669 | 5.23% |
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 | 1,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 1,770 | $700K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 1,770 | $700K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 1,770 | $700K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 356 | $174K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,770 | $700K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,770 | $888K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,770 | — |
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.