| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 Filed as: PROPEL IMSURANCE AGENCY | 4400 PARK RD TACOMA, WA 98402 | THE GUARDIAN | $35K | $9K | $44K | 14.13% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATIONS | 4400 PARK RD ATE 311 CHARLOTTE, NC 28209 | THE GUARDIAN | $19K | $0 | $19K | 6.12% |
| BKS PARTNERS4 | 4211 BOUSCOUT RD TAMPA, FL 33607 | THE GUARDIAN | $17K | — | $17K | 5.45% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | THE GUARDIAN | $555 | $0 | $555 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE | 1000 WINSTONE RD KNOXVILLE, TN 37901 | THE GUARDIAN | $266 | — | $266 | 0.08% |
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 | 662 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN | 662 | $315K |
| Vision | THE GUARDIAN | 662 | $315K |
| Life insurance | THE GUARDIAN | 662 | $315K |
| Short-term disability | THE GUARDIAN | 662 | $315K |
| Long-term disability | THE GUARDIAN | 662 | $315K |
| Other | THE GUARDIAN | 662 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.