| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRUNK INSURANCE GROUP3 Filed as: STRUNK INSURANCE GROUP INC | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $54K | $54K | 3.04% |
| FOSTER THOMAS INC3 | 181 HARRY S TRUMAN PARKWAY SUITE 110 ANNAPOLIS, MD 21401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 1.96% |
| FOREST THOMAS INC3 | 181 HARRY S TRUMAN PARKWAY SUITE 110 ANNAPOLIS, MD 21401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $10K | $31K | 6.25% |
| STRUNK INSURANCE GROUP3 | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 5.41% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.59% |
| DAJOMA LLC3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.54% |
| FOSTER THOMAS INC3 | 1788 FOREST DRIVE ANNAPOLIS, MD 21401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 7.76% |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 659 | $493K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 659 | $493K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 659 | $493K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 659 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.