| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS | 3660 S GEYER RD., SUITE 200 SAINT LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $125K | $8K | $133K | 3.49% |
| HEFFERNAN INSURANCE BROKERS3 | 180 HOWARD STREET, SUITE 200 SAN FRANCISCO, CA 94105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.27% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS | 3660 S GEYER RD., SUITE 200 SAINT LOUIS, MO 63127 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $15K | $60K | 11.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | $0 | $51K | 10.19% |
| HEFFERNAN INSURANCE BROKERS3 | 5100 S MACADAM, SUITE 440 PORTLAND, OR 97239 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6 DESTA DR., SUITE 5900 MIDLAND, TX 79705 | COMBINED INSURANCE | $43K | $0 | $43K | 43.52% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS | 3660 S GEYER RD., SUITE 200 SAINT LOUIS, MO 63127 | COMBINED INSURANCE | $18K | $0 | $18K | 18.65% |
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 | 839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 672 | $3.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 915 | $499K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 915 | $499K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 915 | $499K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 915 | $499K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 915 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.