| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET, SUITE 275 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 11.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $390 | $25K | 7.62% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, LLC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | — | $50K | 49.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 450 EAST 96TH STREET, SUITE 275 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.84% |
| HORIZON PLANNING GROUP3 | 230 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Other services; Other fees; Claims processing Service code 12 | — | $524K |
| AON RISK SERVICES CENTRAL INC BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 123 N. WACKER DR., 1000 CHICAGO, IL 60606 | $44K |
| LOCKTON COMPANIES, LLC BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 8110 EAST UNION, STE 700 DENVER, CO 80237 | $11K |
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 | 912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 834 | $102K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 912 | $333K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 912 | $333K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 912 | $333K |
| Short-term disability(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 912 | $435K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 912 | $333K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 348 | $437K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 912 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.