| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIFIED GROUP SERVICES, INC.3 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | — | $40K | $40K | 24.51% |
| ASHLEY INSURANCE GROUP3 | 1645 INDIAN WOOD CIRCLE SUITE 203 MAUMEE, OH 43537 | HCC LIFE INSURANCE COMPANY | $2K | $36K | $38K | 22.85% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | $9K | $16K | 14.82% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 4400 EASTON COMMONS WAY SUITE 125 COLUMBUS, OH 43219 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.22% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 113 | $165K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 150 | $105K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 150 | $105K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 150 | $105K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 150 | $105K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 150 | $105K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 113 | $165K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 150 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.