| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55K | $15K | $70K | 9.55% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.47% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 W SUSQUEHANNA AVENUE, SUITE 400 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $396 | — | $396 | 0.59% |
| MICHAEL W. HART3 Filed as: MICHAEL HART | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $249 | — | $249 | 1.19% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: RICHARD SILBERSTEIN | 2850 QUARRY LAKE DRIVE STE. 303 BALTIMORE, MD 21209 | AFLAC | $204 | — | $204 | 0.97% |
| RENEE T CARCHMAN3 | 15716 WINNERS DRIVE GAITHERSBURG, MD 20878 | AFLAC | $120 | — | $120 | 0.57% |
| BETH A. HESTER3 Filed as: BETH A HESTER | 1143 CHAMPAGNE LANE MANTECA, CA 95337 | AFLAC | $105 | — | $105 | 0.50% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD STE. 200 HANOVER, MD 21076 | AFLAC | $99 | — | $99 | 0.47% |
| ANDREW D WOLF3 | 418 ARLINGTON STREET ACTON, MA 01720 | AFLAC | $86 | — | $86 | 0.41% |
| PATRICIA J GEE3 | PO BOX 2334 MESA, AZ 85214 | AFLAC | $84 | — | $84 | 0.40% |
| MICHELLE L RAMSOUER3 | PO BOX 1394 GEORGE WEST, TX 78022 | AFLAC | $65 | — | $65 | 0.31% |
| ROBERT SALAS3 | 1747 PARKVIEW LANE MISSOURI CITY, TX 77459 | AFLAC | $65 | — | $65 | 0.31% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $51 | — | $51 | 0.24% |
| DAVID C NAGENGAST3 | 3487 S LINDEN ROAD STE. Z FLINT, MI 48507 | AFLAC | $50 | — | $50 | 0.24% |
| ASHLEY D SANDERS3 | 5 HIGH OAKS COURT WALPOLE, MA 02081 | AFLAC | $48 | — | $48 | 0.23% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN WILKERSON | 884 HOLLY TREE GAP ROAD BRENTWOOD, TN 37027 | AFLAC | $47 | — | $47 | 0.22% |
| JARED E DAY3 | 19710 CHARA COURT CYPRESS, TX 77433 | AFLAC | $40 | — | $40 | 0.19% |
| STEVEN R KARAS3 | 2000 COMMON WEALTH AVENUE STE. 110 AUBURNDALE, MA 02466 | AFLAC | $38 | — | $38 | 0.18% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIRCLE FOLSOM, CA 95630 | AFLAC | $32 | — | $32 | 0.15% |
| J ELLIS INSURANCE AGENCY INC3 Filed as: J ELLIS INSURANCE AGENCY | 203 MARKET STREET STE. 210 HAVRE DE GRACE, MD 21078 | AFLAC | $28 | — | $28 | 0.13% |
| STEPHANIEL KESSELRING3 | 3141 ROLLING GREEN COURT MILFORD, MI 48380 | AFLAC | $27 | — | $27 | 0.13% |
| CHRISTOPHER A SKEETERS3 | 808 N BRUNS LN SPRINGFIELD, IL 62702 | AFLAC | $26 | — | $26 | 0.12% |
| DAVID B. KITCHEN3 Filed as: DAVID B KITCHEN | 1260 N DUTTON AVENUE STE. 180 SANTA ROSA, CA 95401 | AFLAC | $26 | — | $26 | 0.12% |
| ROBERT T KURTZ3 | 4425 N HERITAGE VIEW AVENUE MERIDIAN, ID 83646 | AFLAC | $23 | — | $23 | 0.11% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $23 | — | $23 | 0.11% |
| MELISSA S LYNCH3 | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $22 | — | $22 | 0.10% |
| MARK L RHODES3 | 133A SOUTH MAIN STREET MORTON, IL 61550 | AFLAC | $21 | — | $21 | 0.10% |
| JOHN B DRZEWIECKI JR3 Filed as: JOHN B DRZEWIECKI JR. | 370 SOUTHSHIRE DRIVE BENNINGTON, VT 05201 | AFLAC | $20 | — | $20 | 0.10% |
| BARBARA R SANTELLA3 | 22344 E PLYMOUTH CIRCLE AURORA, CO 80016 | AFLAC | $18 | — | $18 | 0.09% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $17 | — | $17 | 0.08% |
| PETER JAMES SARANTIS3 Filed as: PETER SARANTIS | 26200 TOWN CENTER DRIVE, SUITE 110 NOVI, MI 48375 | AFLAC | $16 | — | $16 | 0.08% |
| L LANTMAN3 | 2001 W WILLOW KNOLLS DRIVE STE. 206 PEORIA, IL 61614 | AFLAC | $15 | — | $15 | 0.07% |
| JOSHUAJ BIALKA3 | 9187 YARMOUTH DRIVE APT E LOVELAND, OH 45140 | AFLAC | $15 | — | $15 | 0.07% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVENUE STE. 110 292 BRIGHTON, MI 48116 | AFLAC | $13 | — | $13 | 0.06% |
| JOHN O MONTGOMERY3 | 10363 N COUNTY ROAD 950 E BROWNSBURG, IN 46112 | AFLAC | $13 | — | $13 | 0.06% |
| MICHAEL P ZILINSKI3 Filed as: MICHAEL ZILINSKI | 271 US HIGHWAY 46 STE. 0207 FAIRFIELD, NJ 07004 | AFLAC | $12 | — | $12 | 0.06% |
| DOUGLAS MISCH3 | 5304 CHESTNUT AVENUE ASHTABULA, OH 44004 | AFLAC | $11 | — | $11 | 0.05% |
| LAUREN DEY3 | 40 CROSS ROAD APT 78 MATAWAN, NJ 07747 | AFLAC | $11 | — | $11 | 0.05% |
| GREGORY STENZEL3 | 1249 KIOWA DRIVE W GAINESVILLE, TX 76240 | AFLAC | $10 | — | $10 | 0.05% |
| DIANE C SMUGALA3 | 3279 W HARVEST GLORY DR SOUTH JORDAN, UT 84095 | AFLAC | $10 | — | $10 | 0.05% |
| LINDSAY LIJEWSKI3 | 6500 S QUEBEC STREET STE. 250 CENTENNIAL, CO 80111 | AFLAC | $10 | — | $10 | 0.05% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET STE. 201 HAVRE DE GRACE, MD 21078 | AFLAC | $9 | — | $9 | 0.04% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICES INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $9 | — | $9 | 0.04% |
| ORIN LEE WILLIAMS3 | 313 N CORRINE DR GILBERT, AZ 85234 | AFLAC | $8 | — | $8 | 0.04% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE. 105 KATY, TX 77450 | AFLAC | $8 | — | $8 | 0.04% |
| AMANDA HELMAN3 | 1934 ANHALT DRIVE MADISON, WI 53704 | AFLAC | $7 | — | $7 | 0.03% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $6 | — | $6 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET STREET STE. 201 HAVRE DE GRACE, MD 21078 | AFLAC | $6 | — | $6 | 0.03% |
| TODD A STULL3 Filed as: TODD STULL | 810 S MASON ROAD STE. 102 KATY, TX 77450 | AFLAC | $6 | — | $6 | 0.03% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 STE. H119 FAIRFIELD, NJ 07004 | AFLAC | $6 | — | $6 | 0.03% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DR HOUSTON, TX 77084 | AFLAC | $6 | — | $6 | 0.03% |
| JEREMY A FELDMAN3 Filed as: JEREMY FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $6 | — | $6 | 0.03% |
| BRENDA GARRETT3 | 5400 GLENWOOD AVENUE, SUITE G03 RALEIGH, NC 27612 | AFLAC | $6 | — | $6 | 0.03% |
| CHRIS BIALKA3 | 6342 CALIDA WAY MASON, OH 45040 | AFLAC | $5 | — | $5 | 0.02% |
| JERRY HOKE3 | 517 E 3270 N LEHI, UT 84043 | AFLAC | $5 | — | $5 | 0.02% |
| RYAN T NIELSEN3 | 2496 W 3300 N OGDEN, UT 84404 | AFLAC | $4 | — | $4 | 0.02% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $4 | — | $4 | 0.02% |
| MATTHEW PINER3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $4 | — | $4 | 0.02% |
| BRIAN J DAY3 | 13189 HITCHING POST RD DEWITT, MI 48820 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN F WARD3 Filed as: KEVIN WARD | 12632 DOUBLE EAGLE DRIVE CARMEL, IN 46033 | AFLAC | $3 | — | $3 | 0.01% |
| TERRY SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $3 | — | $3 | 0.01% |
| HAROLD L STAFFORD3 | 10722 NW 20TH DRIVE CORAL SPRINGS, FL 33071 | AFLAC | $3 | — | $3 | 0.01% |
| ROBERT P HARE3 Filed as: ROBERT HARE | 6324 TARTON FIELDS LANE MASON, OH 45040 | AFLAC | $3 | — | $3 | 0.01% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE INC. | 4401 FAIR LAKES CT STE. 304 FAIRFAX, VA 22033 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL AISSEN3 | 920 HOLCOMB BRIDGE ROAD STE. 200 ROSWELL, GA 30076 | AFLAC | $3 | — | $3 | 0.01% |
| SHAWN LAWRENCE3 | PO BOX 76, 1554 COLLEGE STREET BEASON, IL 62512 | AFLAC | $3 | — | $3 | 0.01% |
| PREFERRED MARKETING CORP3 | 1194 E LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | — | $2 | 0.01% |
| AMY LUDWICK3 | 305 10TH STREET SACRAMENTO, CA 95814 | AFLAC | $2 | — | $2 | 0.01% |
| NATHAN WHITEMAN3 | 550 PEKIN STREET LINCOLN, IL 62656 | AFLAC | $2 | — | $2 | 0.01% |
| CHARLES HAYES JR.3 | 3514 LEATHERWOOD LANE MAIDENS, VA 23102 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID WAGENHEIM3 | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $2 | — | $2 | 0.01% |
| JONATHAN KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $2 | — | $2 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE STE. 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.01% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTIE MARZARI3 | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $2 | — | $2 | 0.01% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL RHODD3 | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $2 | — | $2 | 0.01% |
| KIMMON R GUSEMAN3 Filed as: KIMMON GUSEMAN | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $1 | — | $1 | 0.00% |
| KIEFER GROUP INSURANCE AGENCY LLC3 Filed as: KIEFER GROUP INS AGENCY LC | 155 INVERNESS DRIVE W STE. 300 ENGLEWOOD, CO 80112 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY STE. 300 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
| DEE W SLATER3 | 6847 WELLSLEY CT CLEMMONS, NC 27012 | AFLAC | $1 | — | $1 | 0.00% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | 402 N MAIN ST BENTON, IL 62812 | AFLAC | $1 | — | $1 | 0.00% |
| KYLE J HORN3 | 2119 W GERALD DR PEORIA, IL 61615 | AFLAC | $1 | — | $1 | 0.00% |
| HEIDI E GLAUB3 | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES BULLOCK3 | 3715 POWERHORN DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES C SNIDER JR3 Filed as: JAMES SNIDER JR | 457 MANOR ROAD MAITLAND, FL 32751 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 6100 CHEVY CHASE DRIVE STE. 102 LAUREL, MD 20707 | AFLAC | $1 | — | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $708 | $704 | $1K | 8.94% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 W SUSQUEHANNA AVENUE, SUITE 400 TOWSON, MD 21204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.20% |
| NICHOLAS WIANDT3 | PO BOX 196530 ANCHORAGE, AK 99519 | AFLAC | $146 | — | $146 | 3.62% |
| VINCENT CHARLES MCDOWELL3 Filed as: VINCENT MCDOWELL | 155 2ND AVENUE N STE. 201 TWIN FALLS, ID 83301 | AFLAC | $103 | — | $103 | 2.55% |
| ROBERT BENEFIEL3 | 3278 E PHELPS ST GILBERT, AZ 85295 | AFLAC | $52 | — | $52 | 1.29% |
| SCOTT A PHILIPS3 Filed as: SCOTT PHILIPS | 22202 ESTATE HILL DRIVE APT 5206 SAN ANTONIO, TX 78258 | AFLAC | $31 | — | $31 | 0.77% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN WILKERSON | 884 HOLLY TREE GAP RD BRENTWOOD, TN 37027 | AFLAC | $19 | — | $19 | 0.47% |
| GARY LOWE3 | 13106 NANTUCKET PLACE BAKERSFIELD, CA 93314 | AFLAC | $18 | — | $18 | 0.45% |
| EDWIN J TEDERS3 Filed as: EDWIN TEDERS | 17616 NE 15TH PLACE BELLEVUE, WA 98008 | AFLAC | $18 | — | $18 | 0.45% |
| MICHELLE L RAMSOUER3 Filed as: MICHELLE RAMSOUER | PO BOX 1394 GEORGE WEST, TX 78022 | AFLAC | $10 | — | $10 | 0.25% |
| BARRY MCPHERSON INC3 | 2211 MICHELSON DRIVE STE. 1150 IRVINE, CA 92612 | AFLAC | $8 | — | $8 | 0.20% |
| PATRICIA GEE3 | PO BOX 2334 MESA, AZ 85214 | AFLAC | $7 | — | $7 | 0.17% |
| MERLE DALE HALL3 Filed as: MERLE HALL | 5500 W LAKE RIVER LANE BOISE, ID 83703 | AFLAC | $6 | — | $6 | 0.15% |
| JOHNNY SHELLEY3 | 2180 WATERVIEW DRIVE UNIT. 1037 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $6 | — | $6 | 0.15% |
| SHAUNNA FERRENBURG3 | 1809 W 104TH AVENUE ANCHORAGE, AK 99515 | AFLAC | $6 | — | $6 | 0.15% |
| GREGORY STENZEL3 | 1249 KIOWA DRIVE W GAINESVILLE, TX 76240 | AFLAC | $5 | — | $5 | 0.12% |
| TERRY ANN PARKER3 Filed as: TERRY PARKER | 11175 SW BERLIN AVE WILSONVILLE, OR 97070 | AFLAC | $4 | — | $4 | 0.10% |
| CHARLES NELSON3 | 20280 N 59TH AVE STE. 115-233 GLENDALE, AZ 85308 | AFLAC | $4 | — | $4 | 0.10% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $4 | — | $4 | 0.10% |
| THERESIA TUOR3 | 22416 N ARREGALLA DR SUN CITY WEST, AZ 85375 | AFLAC | $3 | — | $3 | 0.07% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $3 | — | $3 | 0.07% |
| PAUL B ROBEDEAU3 | 9523 BAY CT CARMEL, CA 93923 | AFLAC | $3 | — | $3 | 0.07% |
| PREFERRED MARKETING CORP3 | 1194 E LAKEVIEW DR SAN TAN VALLEY, AZ 85143 | AFLAC | $3 | — | $3 | 0.07% |
| HAILEY BAGGETT3 | 1142 W LARAMIE AVENUE RATHDRUM, ID 83858 | AFLAC | $2 | — | $2 | 0.05% |
| ANDREW PRINCE LOVINGIER3 Filed as: ANDREW LOVINGIER | 1817 BLOYD STREET KELSO, WA 98626 | AFLAC | $2 | — | $2 | 0.05% |
| GUY R SOUTER3 Filed as: GUY SOUTER | 16280 PINE DROP LANE LA PINE, OR 97739 | AFLAC | $1 | — | $1 | 0.02% |
| ALICIA J MATSON3 | 6027 ROLLETTI DR SE SALEM, OR 97306 | AFLAC | $1 | — | $1 | 0.02% |
| SCOTT NIELSEN3 | 2709 DAY ISLAND BLVD W UNIT A UNIVERSITY PLACE, WA 98466 | AFLAC | $1 | — | $1 | 0.02% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL PUMPIAN | 225 NE BIRCH STREET ISSAQUAH, WA 98027 | AFLAC | $1 | — | $1 | 0.02% |
| SEAN M TROWBRIDGE3 Filed as: SEAN TROWBRIDGE | 3517 COLD SPRINGS ROAD BALDWINSVILLE, NY 13027 | AFLAC | $6 | — | $6 | 3.47% |
| STEPHEN CONNORS3 | 108 HUNTSHILL ROAD SYRACUSE, NY 13209 | AFLAC | $2 | — | $2 | 1.16% |
| GIBIDES INC3 Filed as: GIBIDES INC. | 7200 CANAAN LANE APT. 110 RALEIGH, NC 27615 | AFLAC | $1 | — | $1 | 0.58% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET STE. 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.58% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 817 MAIDEN CHOICE LANE STE. 340 CATONSVILLE, MD 21228 | AFLAC | $1 | — | $1 | 0.58% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES & ASSOCIATES INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $1 | — | $1 | 0.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $381K |
| TOTAL ADMINISTRATIVE SERVICES CORP. EIN 39-1561025 ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $0 |
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 | 760 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 25 | $21K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $733K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $733K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $753K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $733K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $733K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 760 | $821K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.