| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1100 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $5K | $27K | 7.94% |
| CAPITAL PLANNERS LLC3 Filed as: CAPITAL PLANNERS, LLC | 1191 LUDLAM COURT MARCO ISLAND, FL 34145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1100 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 8.00% |
| BENEFITS RESOURCE GROUP3 Filed as: BENEFITS RESOURCE GROUP AGENCY LLC | 6450 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 150 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.90% |
| BENEFITS RESOURCE GROUP3 Filed as: BENEFITS RESOURCE GROUP AGENCY LLC | 6480 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 210 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.78% |
| VOLUNTARY BENEFITS PLUS LLC3 | 9482 WEDGEWOOD BOULEVARD SUITE 200 POWELL, OH 43065 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.78% |
| BENEFITS RESOURCE GROUP3 | 6450 ROCKSIDE WOODS BOULEVARD SOUTH SUITE 150 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 1.96% |
| VOLUNTARY BENEFITS PLUS LLC3 Filed as: VOLUNTARY BENEFITS PLUS, LLC | 9482 WEDGEWOOD BOULEVARD SUITE 200 POWELL, OH 43065 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.91% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $340K |
| Vision | VISION BENEFITS OF AMERICA | 213 | $23K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $346K |
| Short-term disability(2 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 9 | $6K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $340K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.