| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRUCTURED EMPLOYEE BENEFITS3 | 815 GRANDVIEW AVENUE SUITE 200 COLUMBUS, OH 43215 | GUARDIAN | $28K | — | $28K | 11.94% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 575 A SUNBURY ROAD PO BOX 868 DELAWARE, OH 43015 | GUARDIAN | $13K | — | $13K | 5.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN | $7K | — | $7K | 3.20% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC THE | 210 6TH AVENUE FLOOR 30 PITTSBURGH, PA 15222 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.33% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | GUARDIAN | 215 | $271K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 215 | $271K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 215 | $271K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 215 | $271K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE STOP LOSS - UNITED HEALTH | 187 | $764K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 215 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.