| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 6.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE, SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | $2K | $51K | 24.14% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 1.93% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47K | $2K | $49K | 27.88% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.35% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $1K | $32K | 27.57% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.46% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $1K | $27K | 29.19% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.45% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE GROUP, INC | PO BOX 1260 CAMDENTON, MO 65020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 15.19% |
| WESLEY C VANCE3 | 5620 NW 81ST STREET KANSAS CITY, MO 64151 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $255 | — | $255 | 0.36% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 16.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.34% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN, LLC | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | — |
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 | 802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 230 | $71K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 612 | $247K |
| Vision(2 contracts) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,043 | $89K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 660 | $386K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $94K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $114K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 660 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,043 | — |
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."
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.