| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $458 | $2K | 9.52% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 75 STATE ST STE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY | $755 | $0 | $755 | 3.91% |
| ALPHA BENEFITS GROUP INC3 | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY | $317 | $0 | $317 | 1.64% |
| MAZZMAR LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.04% |
| FINANCIAL BALANCE GROUP LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | — | MADISON NATIONAL LIFE INSURANCE COMPANY | $312 | $0 | $312 | 9.98% |
| NORTH AMERICAN BENEFITS COMPANY3 | — | MADISON NATIONAL LIFE INSURANCE COMPANY | $211 | $0 | $211 | 6.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| BROWN & BROWN (PA) EIN 20-0878127 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $7K |
| INNOVU EIN 81-1938789 OTHER | Other services Service code 49 | — | $213 |
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 | 31 | 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) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 24 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY | 0 | $0 |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 7 | $3K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 25 | $113K |
| Other | SUN LIFE ASSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25 | — |
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.