| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $104K | $26K | $130K | 10.30% |
| ZIMZOOM INSURANCE AGENCY LLC3 | 1927 NORTH FEDERAL HIGHWAY SUITE 1 BOCA RATON, FL 33432 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.36% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | SYMETRA LIFE INSURANCE COMPANY | $100K | $23K | $123K | 18.53% |
| JA BENEFITS LLC3 Filed as: JA BENEFITS, LLC | 1630 H STREET BEDFOR, IN 47421 | AXIS INSURANCE COMPANY | $87K | — | $87K | 14.96% |
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 | 5,139 | 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) | 5,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AXIS INSURANCE COMPANY | 397 | $579K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,989 | $1.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,989 | $1.3M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 4,900 | $666K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 4,900 | $666K |
| Prescription drug | AXIS INSURANCE COMPANY | 397 | $579K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 1,410 | $1.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,900 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,900 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.