| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARLOW INSURANCE AGENCY INC3 Filed as: GARLOW INSURANCE AGENCY INC. | PO BOX 5052 CHARLESTON, WV 25361 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 10.27% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 5.43% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH ST OMAHA, NE 68118 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 5.13% |
| GARLOW INSURANCE AGENCY INC3 | PO BOX 5052 CHARLESTON, WV 25361 | GUARDIAN | $14K | — | $14K | 19.76% |
| STANLEY DOUGLAS GILLESPIE3 | 1228 NORTH 164TH STREET OMAHA, NE 68118 | GUARDIAN | $2K | — | $2K | 2.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $1K | — | $1K | 2.05% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANSISCO, CA 94110 | GUARDIAN | $907 | — | $907 | 1.25% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 242 | $72K |
| Vision | GUARDIAN | 242 | $72K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 278 | $267K |
| Short-term disability | GUARDIAN | 242 | $72K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 278 | $267K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 278 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.