| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 1753 PINNACLE DRIVE 8TH FLOOR MCLEAN, VA 22102 | GHMSI | $52K | $12K | $64K | 2.84% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | GHMSI | $27K | — | $27K | 1.19% |
| WELLS FARGO INSURANCE SERVICES3 | 25 BULL STREET 4TH FLOOR SAVANNAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $13K | 3.82% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES GRP INC | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | 10 SOUTH WACKER DR FLOOR 17 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.46% |
| TRIDBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.24% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 FILA WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC | PO BOX 203014 DALLAS, TX 75320 | VISION SERVICE PLAN | $1K | — | $1K | 2.47% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, INC. | 5280 CORPORATE ST SUITE C250 FREDERICK, MD 21703 | VISION SERVICE PLAN | $635 | — | $635 | 1.32% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.33% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC | 1753 PINNACLE DRIVE SUITE 800 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $12 | $1K | 8.00% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 184 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $345K |
| Vision | VISION SERVICE PLAN | 181 | $48K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $345K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $345K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $345K |
| Prescription drug | GHMSI | 184 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 209 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.