| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS HEASLIP & ASSOCIATES, INC.3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 339282567 | BLUE CROSS BLUE SHIELD OF FLORIDA | $64K | — | $64K | 5.00% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $12K | $41K | 11.67% |
| CHRIS HEASLIP & ASSOCIATES, INC.3 | 23160 FASHION DRIVE SUITE 217 ESTERO, FL 339282567 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 7.42% |
| CHRISTOPHER K HEASLIP3 | 2842 COACH HOUSE WAY NAPLES, FL 34105 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA I | 400 HIGHWAY 169 SOUTH, SUITE 800 ST LUOIS PARK, MN 55426 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $544 | — | $544 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | 10 SOUTH WACKER DR, FLOOR 17 CHICAGO, IL 60606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $340 | — | $340 | 0.64% |
| HARRISON-DAVIS INC3 | 5426 BAY CENTER DR, SUITE 550 TAMPA, FL 33609 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 0.13% |
| FOSTER KLIMA BENEFITS LLC3 Filed as: FOSTER KLIMA & COMPANY INC | 920 SECOND AVENUE SUITE 100 MINNEAPOLIS, MN 55402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.01% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | UNITEDHEALTHCARE INSURANCE COMPANY | $210 | $242 | $452 | 1.37% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | VISION SERVICE PLAN | $11K | — | $11K | 43.63% |
| REDTAIL LTD3 | 9999 BREWSTER LANE, SUITE 100 POWELL, OH 43065 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $758 | $241 | $999 | 14.46% |
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 | 485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | MEDICAL MUTUAL OF OHIO | 224 | $3.2M |
| Dental(4 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $584K |
| Vision(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $259K |
| Life insurance(4 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $584K |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $358K |
| Long-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $358K |
| Prescription drug(4 contracts, 4 carriers) | MEDICAL MUTUAL OF OHIO | 224 | $3.2M |
| Other(4 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.