| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 7.15% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $8K | 3.93% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.53% |
| CENTRAL BENEFITS RESEARCH, LLC3 Filed as: CENTRAL BENEFITS RESEARCH LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEDIGITAL (PHILADELPHIA) EIN 84-3134502 BROKER | Insurance agents and brokers Service code 22 | — | $31K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $29K |
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $20K |
| TELEMEDICINE MANAGEMENT, INC. EIN 26-1306606 TELEMEDICINE | Other services Service code 49 | — | $12K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
| TELUS HEALTH (US) LTD EIN 52-1883918 ADMIN | Claims processing Service code 12 | — | $2K |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $216K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $216K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $216K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $216K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 141 | $506K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.