| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALL STREET FINANCIAL GRP3 Filed as: WALL STREET FINANCIAL GROUP INC. | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $10K | $36K | 9.76% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT FOR DETAILS | — | AFLAC | $34K | $1K | $35K | 21.20% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT FOR DETAILS | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 11.77% |
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 | 620 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 697 | $538K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 697 | $374K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 697 | $374K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 398 | $181K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 697 | $374K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 574 | $361K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 697 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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.