| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRUCTURED EMPLOYEE BENEFITS Filed as: STRUCTURED EMPLOYEE BENEFIT | 815 GRANDVIEW AVENUE, SUITE 200 COLUMBUS, OH 43215 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $17K | 8.50% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE #400 DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.32% |
| UMR, INC.5 Filed as: UNITED HEALTCARE SERVICES INC | 2020 INNOVATION COURT DE PERE, WI 54115 | ALL SAVERS INSURANCE COMPANY | — | $25K | $25K | 12.13% |
| HEATHER CAMPBELL3 | 815 GRANDVIEW AVENUE, SUITE 200 COLUMBUS, OH 43215 | ALL SAVERS INSURANCE COMPANY | $12K | — | $12K | 5.96% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $205K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $205K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $205K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $205K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $205K |
| Other | ALL SAVERS INSURANCE COMPANY | 240 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.