| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY BROKER SOLUTIONS Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY CENTER DR STE 260 SCOTTSDALE, AZ 85258 | MUTUAL OF OMAHA | $13K | — | $13K | 15.00% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES IN | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA | — | $1K | $1K | 1.19% |
| JOSEPH K HALEY | 812 N WASHINGTON AVE PARK RIDGE, IL 60068 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.55% |
| THE PIETSCH FINANCIAL GROUP IN | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.04% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 76 | $284K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $63K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $63K |
| Short-term disability | MUTUAL OF OMAHA | 102 | $86K |
| Long-term disability | MUTUAL OF OMAHA | 102 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.