| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55K | $8K | $62K | 15.44% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF OHIO | $5K | $0 | $5K | 3.00% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL ROAD SE SUITE 672617 MARIETTA, GA 30006 | WELLFLEET | $12K | $0 | $12K | 16.59% |
| GREGORY G. BRIGHTMAN3 | 5589 CYPRESS COURT WESTERVILLE, OH 43082 | WELLFLEET | $5K | $0 | $5K | 6.94% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $3K | $0 | $3K | 4.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 10.06% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 1090 HERSHEY DRIVE SE MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.04% |
| GREGORY G. BRIGHTMAN3 | 5589 CYPRESS COURT WESTERVILLE, OH 43082 | TRANSAMERICA LIFE INSURANCE COMPANY | $676 | $0 | $676 | 3.04% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL ROAD SE SUITE 672617 MARIETTA, GA 30006 | PROSPERITY LIFE GROUP | $2K | $0 | $2K | 11.71% |
| GREGORY G. BRIGHTMAN3 Filed as: GREGORY G BRIGHTMAN | 5589 CYPRESS COURT WESTERVILLE, OH 43082 | PROSPERITY LIFE GROUP | $950 | $0 | $950 | 4.73% |
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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 664 | $183K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 592 | $46K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $427K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $405K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $405K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 358 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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.