| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 Filed as: PEDERSEN DOWIE CLABBY MC | 3927 UNIVERSITY AVE PO BOX 2597 WATERLOO, IA 50704 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 8.13% |
| ROBERT WEEKS3 Filed as: ROBERT CAMERON BYE | 7102 LINN COVE CT ROANOKE, VA 24018 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.57% |
| MARY P HOLLEY3 | 2060 BRUGHTS MILL RD FINCASTLE, VA 24090 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.30% |
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 | 829 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 829 | $481K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 829 | $481K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 829 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.