| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $319 | $2K | 17.51% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $567 | — | $567 | 6.61% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 MED ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $5K |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BROKER | Other commissions Service code 55 | — | $3K |
| CIGNA CORPORATION EIN 59-1031071 MED ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $1K |
| SMITHRX RX ADMIN FEES | Contract Administrator; Claims processing Service code 12 | PO BOX 994 LEHI, UT 84043 | $1K |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $9K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $9K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $9K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $9K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.