| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL WEALTH MANAGEMENT0 | 1200 HARGER ROAD OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $44K | $44K | 9.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS EIN 36-3086067 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 200 W ADAMS ST SUITE 500 CHICAGO, IL 60606 | $64K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE RE2R HARTFORD, CT 06156 | $18K |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $477K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $477K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $477K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $477K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $477K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | QBE INSURANCE CORPORATION | 233 | $545K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.