| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | PO BOX 9953 GLEN ALLEN, VA 23058 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $75K | $11K | $86K | 11.20% |
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | COMMUNITY EYE CARE | $5K | — | $5K | 4.17% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS, INC | PO BOX 2320 WILMINGTON, NC 28402 | COMMUNITY EYE CARE | $4K | — | $4K | 3.33% |
| BANKERS INSURANCE LLC3 | PO BOX 9953 GLEN ALLEN, VA 23058 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54K | $4K | $58K | 345.35% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D BOUDREAUX | 26 N TOMBEE LANE COLUMBIA, SC 29209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: HAROLD WELLS & SONS INC | ONE NORTH THIRD STREET WILMINGTON, NC 28401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$4 | — | -$4 | -0.02% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$9 | — | -$9 | -0.05% |
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 | 1,152 | 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) | 1,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 1,112 | $44K |
| Vision | COMMUNITY EYE CARE | 1,776 | $123K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,354 | $768K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,354 | $768K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,354 | $768K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,354 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,776 | — |
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.