| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXECUTIVE INSURANCE ADVISORS LLC3 Filed as: EXECUTIVE INSURANCE ADVISORS | PO BOX 59816 POTOMAC, MD 20859 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 5.20% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ABUNDANCE RISK MANAGEMENT | 232 REGENT COURT STATE COLLEGE, PA 16801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.80% |
| MGIS3 | 111 SOUTH MAIN ST SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.06% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.56% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.11% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | 1644 PLANK ROAD DUNCANSVILLE, PA 16635 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 10.00% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $47K |
| Vision | VISION BENEFITS OF AMERICA | 106 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $286K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $286K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $286K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 216 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.