| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $17K | 10.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.18% |
| BRANDAN BRUCE3 | PO BOX 43 INDIANOLA, IA 50125 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.20% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 4.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INSURANCE ADMIN INC | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 1.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN, INC. | $675 | $0 | $675 | 0.49% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 28 | $136K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $160K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $160K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $160K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $160K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $160K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 28 | $136K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.