| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 18.93% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N. GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.40% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $107 | — | $107 | 0.50% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 92 | $21K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 121 | $85K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 121 | $85K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 121 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.