| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN INSURANCE CO. | $10K | $5K | $15K | 16.63% |
| CENTRO BENEFITS RESEARCH LLC | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN INSURANCE CO. | $5K | — | $5K | 5.00% |
| FRINGE BENEFIT SERVICES Filed as: FRINGE BENEFIT GROUP, INC | 11910 ANDERSON MILL RD AUSTIN, TX 10087 | NATIONWIDE | — | $15K | $15K | 26.11% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | NATIONWIDE | $5K | — | $5K | 8.75% |
| PHCS Filed as: MULTI PLAN | PO BOX 29380 NEW YOK, NY 10087 | NATIONWIDE | — | $2K | $2K | 3.44% |
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 | 74 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE | 45 | $57K |
| Dental | GUARDIAN INSURANCE CO. | 74 | $91K |
| Vision | GUARDIAN INSURANCE CO. | 74 | $91K |
| Life insurance | GUARDIAN INSURANCE CO. | 74 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74 | — |
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.