| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARTEMIS RISK SOLUTIONS, LLC3 | 1209 NORTH ORANGE STREET WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $16K | $40K | 8.70% |
| JACK B TURNER & ASSOCIATES INC3 Filed as: JACK B. TURNER & ASSOCIATES | PO BOX 627 CLARKSVILLE, TN 37040 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 7.77% |
| MARK METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY STREET NE, UNIT 1 ST PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.13% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | FOUR EVER LIFE INS CO | $4K | $728 | $5K | 6.05% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANIES | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO | $4K | $58 | $4K | 5.32% |
| JACK B TURNER & ASSOCIATES INC3 Filed as: JACK B. TURNER & ASSOCIATES | PO BOX 627 CLARKSVILLE, TN 37040 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 10.04% |
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 | 1,025 | 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) | 1,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 16 | $355K |
| Dental | FOUR EVER LIFE INS CO | 3 | $79K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $540K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $461K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $461K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 16 | $276K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,408 | $590K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,408 | — |
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.