| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 772 LITITZ PIKE LITITZ, PA 17543 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 17.39% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 823 BAY ST NE UNIT 1 SAINT PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| MAZZMAR LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY | $385 | $0 | $385 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $53K |
| ASSURED PARTNERS (CENTRAL PA) EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | -$17K |
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 | 49 | 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) | 49 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 73 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 73 | $82K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 73 | $82K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 73 | $82K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 73 | $82K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AVALON INSURANCE COMPANY | 50 | $254K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 73 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.