| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 8.51% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER & COMPANY DBA CO | 606 SOUTH MENDENHALL SUITE 200 MEMPHIS, TN 38117 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $845 | $11K | 8.16% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND CO | 606 SOUTH MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $641 | $7K | 8.20% |
| JAS D COLLIER & CO3 | 606 SOUTH MENDENHALL SUITE 200 MEMPHIS, TN 38117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $402 | $5K | 8.21% |
| JAS D COLLIER & CO3 | 606 SOUTH MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $366 | $35 | $401 | 7.94% |
| JAS D COLLIER & CO3 Filed as: JAS D COLLIER AND CO | 606 SOUTH MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $139 | — | $139 | 2.75% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $321K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 333 | $321K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 443 | $135K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $55K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.