| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 Filed as: UNITED HEALTCARE SERVICES INC | 2020 INNOVATION COURT DE PERE, WI 54115 | ALL SAVERS INSURANCE COMPANY | $0 | $61K | $61K | 11.68% |
| STRUCTURED EMPLOYEE BENEFITS3 | 815 GRANDVIEW AVENUE, SUITE 200 COLUMBUS, OH 43215 | ALL SAVERS INSURANCE COMPANY | $14K | — | $14K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | ALL SAVERS INSURANCE COMPANY | $14K | — | $14K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 45439 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 6.68% |
| STRUCTURED EMPLOYEE BENEFITS3 Filed as: STRUCTURED EMPLOYEE BENEFIT | 815 GRANDVIEW AVENUE, SUITE 200 COLUMBUS, OH 43215 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE #400 DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.78% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $200K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $200K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $200K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $200K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $200K |
| Other | ALL SAVERS INSURANCE COMPANY | 121 | $521K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.