| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COACHING FINANCIAL CONCEPTS3 | 2200 E DAVON AVE, SUITE 357 DES PLAINES, IL 60018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 5.92% |
| ROBERT J ARNOLD3 | 5250 W HENDERSON ST, 1ST FLOOR CHICAGO, IL 60611 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.33% |
| THE PIETSCH FINANCIAL GROUP3 Filed as: THE PIETSCH FINANCIAL GROUP INC | 1751 LAKE COOK ROAD, SUITE 350 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58 | $0 | $58 | 0.03% |
| LANNY D. LEVIN AGENCY, INC.3 Filed as: LANNY D. LEVIN AGENCY, INC | 14021 METROPOLIS AVE FORT MYERS, FL 33912 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | $0 | $24 | 0.01% |
| H E INSURANCE INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | $0 | $15 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD. NONE | Direct payment from the plan; Claims processing Service code 12 | 953 AMERICAN LANE, SUITE 100 SCHAUMBURG, IL 60173 | $109K |
| COACHING FINANCIAL CONCEPTS EIN 36-4219380 NONE | Direct payment from the plan; Other fees Service code 50 | — | $72K |
| HEALTHLINK, INC. EIN 43-1364135 NONE | Other fees; Direct payment from the plan Service code 50 | — | $52K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 NONE | Direct payment from the plan; Other fees Service code 50 | — | $25K |
| CIGNA CORPORATION EIN 59-1031071 NONE | Other fees; Direct payment from the plan Service code 50 | — | $5K |
| HEALTHSMART PREFERRED CARE II, INC. EIN 06-1621470 NONE | Direct payment from the plan; Other fees Service code 50 | — | $2K |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 549 | $189K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 549 | $189K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 549 | $189K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 549 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.