| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 21.44% |
| ALTERITY BROKER SOLUTIONS Filed as: ALTERITY BROKER SOLUTIONS, INC | 8777 GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING STE 900 INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.58% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $99 | $0 | $99 | 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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 84 | $20K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 109 | $80K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 109 | $80K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 109 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.