| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $5K | $36K | 12.09% |
| 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 | $2K | $0 | $2K | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | 1900 WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $975 | $0 | $975 | 0.33% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, LLC | UNKNOWN MOUNT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.01% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $298K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $298K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $298K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $298K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $298K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.