| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY | 250 PEHLE AVE, SUITE 400 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $7K | $40K | 19.30% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY | 250 PEHLE AVE, SUITE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF PENNSYLVANIA | $8K | — | $8K | 6.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $5K | $2K | $6K | 13.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | NATIONAL VISION ADMINISTRATORS LLC | $2K | — | $2K | 5.00% |
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 | 514 | 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) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $206K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 475 | $141K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 397 | $32K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $206K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $206K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $206K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.