| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FL 6 SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $35K | $42K | 3.49% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC | 720 ASTOR PLACE WHEELING, IL 60090 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.23% |
| EMPOWERME BENEFITS, LLC3 Filed as: EMPOWERME BENEFITS LLC | 77 BRYANT AVE-SUITE 206 CLARK, NJ 07066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.22% |
| TRUE NETWORK OF ADVISORS LLC3 Filed as: TRUE WEALTH STRATEGIES LLC | 377 E. BUTTERFIELD ROAD, SUITE 260 LOMBARD, IL 60148 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 0.20% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $1.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $1.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 41 | $30K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 41 | $30K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 41 | $30K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $1.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 41 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.