| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 125 E ELM STREET STE 210 CONSHOHOCKEN, PA 19428 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.42% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST. SUITE 1710 BOSTON, MA 02109 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.49% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.05% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY W STE 200 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19420 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | $358 | $1K | 7.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS SVCS INC | STE 100 CARMEL, IN 46032 | AMERICAN UNITED LIFE INSURANCE COMPANY | $794 | $0 | $794 | 4.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA L | 125 E ELM STREET, SUITE 210 CONSHOHOCKEN, PA 19428 | VISION BENEFITS OF AMERICA | $435 | $0 | $435 | 3.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19420 | RELIANCE STANDARD | $1K | $0 | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST SUITE 17100 BOSTON, MA 02108 | RELIANCE STANDARD | $334 | $0 | $334 | 4.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1200 N MAYFAIR RD MILWAUKEE, WI 53226 | RELIANCE STANDARD | $0 | $51 | $51 | 0.71% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 96 | $50K |
| Vision | VISION BENEFITS OF AMERICA | 138 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 142 | $18K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 142 | $18K |
| Long-term disability | RELIANCE STANDARD | 14 | $7K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 142 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.