| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 660 AMERICAN AVE SUITE 101 KINGO FO PRUSSIA, PA 19406 | THE GUARDIAN LIFE INSURANCE COMPANY | $91K | $20K | $112K | 20.26% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 3.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $126K |
| TRINITY BENEFIT ADVISORS BROKER | Insurance agents and brokers Service code 22 | 660 AMERICAN AVE. SUITE 101 KING OF PRUSSIA, PA 19406 | $90K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $42K |
| TELEMEDICINE MANAGEMENT, INC. EIN 26-1306606 ADMIN | Other fees; Other services Service code 49 | — | $16K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $15K |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 303 | $552K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 303 | $552K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 303 | $552K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 303 | $552K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 303 | $552K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 254 | $721K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 303 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.