| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP WARNER ASSOCIATES, INC.3 Filed as: JP WARNER ASSOCIATES INC | 485 DEVON PARK DRIVE SUITE 103 WAYNE, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 4.18% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.97% |
| JP WARNER ASSOCIATES, INC.3 Filed as: JP WARNER ASSOCIATES INC | 485 DEVON PARK DRIVE, SUITE 103 WAYNE, PA 19087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 29.23% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 14.57% |
| DONALD C SAVOY INC3 | 25 B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 8.45% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST SUITE 8C NEW YORK, NY 10005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.11% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $482K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $482K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $482K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.