| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POE & ASSOCIATES, INC.3 | 3190 WILLOWCREEK ROAD SUITE A PORTAGE, IN 46368 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 6.07% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVE WOODRIDGE, IL 60517 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 5.40% |
| POE & ASSOCIATES, INC.3 | 3190 WILLOWCREEK ROAD SUITE A PORTAGE, IN 46368 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | — | $40K | 14.96% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $267K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $267K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 166 | $267K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $427K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $427K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.