| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 111 RUTHAR DR NEWARK, DE 19711 | THE GUARDIAN LIFE INSURANCE COMPANY | $29K | $7K | $36K | 11.19% |
| HUDSON PLANNING GROUP INC3 Filed as: HUDSON PLANNING GROUP INC. | 1521 CONCORD PIKE SUITE 301 WILMINGTON, DE 19803 | THE GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.90% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SVS. LLC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.27% |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCH. A | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $2K | $18K | 21.32% |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCH A | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $503 | — | $503 | 10.94% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 267 | $320K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 267 | $320K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 267 | $325K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 267 | $320K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 267 | $325K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 267 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.