| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 15.89% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | WELLFLEET | $4K | $0 | $4K | 11.97% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $3K | — | $3K | 8.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 530 NORTH TRADE STREET, SUITE 302 WINSTON SALEM, NC 27101 | WELLFLEET | $3K | $0 | $3K | 7.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA | 530 NORTH TRADE STREET, SUITE 302 WINSTON SALEM, NC 27101 | PROSPERITY LIFE GROUP | $602 | — | $602 | 7.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | PROSPERITY LIFE GROUP | $539 | — | $539 | 6.33% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF NORTH CAROLINA | 530 NORTH TRADE STREET, SUITE 302 WINSTON SALEM, NC 27101 | TRANSAMERICA LIFE INSURANCE COMPANY | $57 | — | $57 | 3.99% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $118K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $118K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $120K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $118K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $118K |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.