| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES | $40K | $0 | $40K | 3.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER INSURANCE SVC | 750 WARRENVILLE RD SUITE 400 LISLE, IL 60532 | ANTHEM INSURANCE COMPANIES | $375 | $0 | $375 | 0.03% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES | 90 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 109 | $143K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 109 | $143K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 109 | $143K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 109 | $143K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 109 | $143K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 109 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.