| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEDRICK EMPLOYEE BENEFITS INC | P.O. BOX 983 MT. VERNON, IL 62864 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 9.75% |
| TEDRICK EMPLOYEE BENEFITS INC Filed as: TEDRICK EMPLOYEE BENEFIT INC | 1129 BROADWAY P.O. BOX 983 MT. VERNON, IL 62864 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHLINK, INC. EIN 43-1364135 | Other insurance fees and expenses Service code 73 | 1831 CHESTNUT STREET ST. LOUIS, MO 63103 | $4K |
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 | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $152K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $152K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $217K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $152K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $217K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $285K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $217K |
| 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.