| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1031 WEST 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $59K | $59K | 3.13% |
| REUBEN WARNER ASSOCIATES, INC.3 | 300 CONNELL DRIVE SUITE 1100 BERKELEY HEIGHTS, NJ 07922 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $0 | $52K | 2.77% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | UNKNOWN CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $4 | $10K | 6.09% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $849 | $0 | $849 | 0.53% |
| MARKS BENEFIT MGMT LLC & OTHERS3 | 3847 EAST SPYGLASS HILL DRIVE FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $664 | $158 | $822 | 0.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34 WALL, NJ 07719 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $562 | $0 | $562 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | DBA SELECT UNDERWRITERS 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $32 | $550 | 0.34% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $60 | $436 | 0.27% |
| STEPHEN M HENSS LLC3 | 6 CHISEL CREEK DRIVE LANDENBERG, PA 19350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $135 | $407 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1031 WEST 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 19.33% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | UNKNOWN CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.16% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN ROAD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $140 | $0 | $140 | 0.58% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | THE PAUL REVERE LIFE INSURANCE COMPANY | $107 | $0 | $107 | 0.44% |
| WILLIAM E GOOD3 | 545 TOM SAWYER ROAD DRIPPING SPRINGS, TX 78620 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.06% |
| FRANK M DARTEE3 | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.04% |
| MICHAEL R ACKERMAN3 | 275 COMMERCE DRIVE, SUITE 301 FORT WASHINGTON, PA 19034 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.03% |
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 | 2,601 | 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) | 2,601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,893 | $206K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,601 | $1.9M |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,601 | $2.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,601 | $1.9M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,601 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,601 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.