| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | GHMSI | $0 | $37K | $37K | 2.65% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORP AMERICA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | GHMSI | $0 | $11K | $11K | 0.79% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | GHMSI | $0 | $4K | $4K | 0.25% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $9K | $32K | 15.11% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 5.23% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 245 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $213K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $213K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $213K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $213K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $213K |
| Prescription drug | GHMSI | 245 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.