| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN H SIMMONDS3 | 4118 ASPEN STREET CHEVY CHASE, MD 20815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 8.99% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH LLC EIN 56-1392505 CLAIMS ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $50K |
| HEALTHCARE BLUE BOOK EIN 83-2795772 PPO PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees; Claims processing Service code 12 | — | $6K |
| HEALTHSMART EIN 75-2508316 PPO PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other fees Service code 12 | — | $5K |
| STRATEBEN EIN 20-1643248 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $0 |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $408K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $408K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $408K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $408K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $408K |
| Stop-loss / reinsurancereinsurance | UNUM LIFE INSURANCE COMPANY | 245 | $319K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 283 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
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.