| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.38% |
| USI INSURANCE SERVICES LLC3 | 333 S. GRAND AVE. SUITE 1450 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 4.77% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE SUITE 200 NEWTON SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $280 | $280 | 14.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - WEST | PO BOX 66119 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $196 | — | $196 | 10.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | PO BOX 7505 PO BOX 7505 FORT WASHINGTON, PA 19034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $87 | — | $87 | 4.49% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 12 | $2K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 243 | $106K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 243 | $106K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 243 | $106K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 243 | $106K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 243 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.