| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA LLC | 9247 N MERDIAN ST SUITE 200 INDIANAPOLIS, IN 46260 | GUARDIAN LIFE INSURANCE COMPANY | $57K | — | $57K | 22.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | GUARDIAN LIFE INSURANCE COMPANY | $23K | — | $23K | 9.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | GUARDIAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GERBER LIFE INSURANCE COMPANY MEDICAL ADMIN | Claims processing; Contract Administrator Service code 12 | 445 STATE STREET FREMONT, MI 49412 | $444K |
| THP INSURANCE COMPANY EIN 55-0765726 STOP LOSS ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $184K |
| TRUERX MANAGEMENT SERVICES, INC. EIN 26-0502364 PBM | Contract Administrator; Claims processing Service code 12 | — | $19K |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 229 | $260K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 229 | $260K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 229 | $260K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 229 | $260K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 229 | $260K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 229 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.