| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INCLINE PENSION CONSULTING3 Filed as: INCLINE BENEFITS SERVICES | 573 DALE DR INCLINE VILLAGE, NV 89451 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 5.30% |
| DIGITAL INSURANCE LLC3 | SUITE 675 200 GALLERIA PARKWAY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.01% |
| ARCHON LLC5 Filed as: ARCHON, LLC AND PROFESSIONAL GROUP | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 2.47% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.15% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 8.55% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 4.78% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 4.08% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 117883914 | EMBLEMHEALTH | $75K | $0 | $75K | — |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 149 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $134K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $134K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $209K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $209K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.