| 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 | $63K | $5K | $69K | 15.69% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1.42% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY | $12K | $2K | $14K | 15.28% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | UNUM LIFE INSURANCE COMPANY | $10K | $830 | $10K | 11.77% |
| ARTHUR T GRUTT JR3 Filed as: ARTHUR GRUTT | 875 AVENUE OF THE AMERICAS ROOM 1010 NEW YORK, NY 10001 | UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 2.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY | — | $553 | $553 | 0.62% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY | $7K | $1K | $9K | 10.97% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | UNUM LIFE INSURANCE COMPANY | $6K | $452 | $7K | 8.55% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 3.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | BLDG 2, SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY | — | $92 | $92 | 0.12% |
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 | 806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 805 | $437K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 805 | $437K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 805 | $437K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 286 | $167K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 805 | $437K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 805 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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."
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.