| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP, LLC | 4348 SOUTHPOINT BOULEVARD JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE COMPANY | $0 | $147K | $147K | 2.20% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 WEST HILLSBORO BOULEVARD SUITE 2-1 DEERFIELD, FL 33441 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $528K | $0 | $528K | 13.95% |
| ATS, INC.3 | 1 WEST CHURCH ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68K | $0 | $68K | 1.81% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SOUTH CAROLINA | PO BOX 198 GREER, SC 29652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $27K | $64K | 1.68% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP, LLC | 4348 SOUTHPOINT BOULEVARD SUITE 400 JACKSONVILLE, FL 32220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 0.65% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY | 186 KING GEORGE STREET DANIEL ISLAND, SC 29492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.12% |
| KC WOOD3 | UNKNOWN CHARLESTON, SC 29421 | COMBINED INSURANCE COMPANY OF AMERICA | $159K | $0 | $159K | 22.52% |
| JOHN BOEHEIM3 | UNKNOWN CHARLESTON, SC 29421 | COMBINED INSURANCE COMPANY OF AMERICA | $53K | $0 | $53K | 7.51% |
| ATS, INC.3 | 250 NORTH ORANGE AVENUE, SUITE 1500 ORLANDO, FL 32801 | COMBINED STATES LEGAL SERVICES | $14K | $0 | $14K | 13.40% |
| ANNE OWENS3 Filed as: ANNE- MARIE LYNN | UNKNOWN CHARLESTON, SC 29421 | COMBINED STATES LEGAL SERVICES | $2K | $0 | $2K | 2.30% |
| JOSEPH NOONAN3 | UNKNOWN CHARLESTON, SC 29421 | COMBINED STATES LEGAL SERVICES | $19 | $0 | $19 | 0.02% |
| ENDEAVOOR INSURANCE SERVICES3 | UNKNOWN CHARLESTON, SC 29421 | COMBINED STATES LEGAL SERVICES | $11 | $0 | $11 | 0.01% |
| TRANSPORT LABOR CONTRACT/LEASING3 | 1 WEST CHURCH STREET ORLANDO, FL 32801 | CDL LEGAL, LLC | $11K | $0 | $11K | 14.14% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 1.46% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 1.46% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 1.00% |
| JENNIFER GROVE3 | 25900 AUTUM WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.54% |
| JAMIE MCREYNOLDS3 | 4550 MINNETONKA BOULEVARD APARTMENT 300 MINNEAPOLIS, MN 55416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.38% |
| ELIZABETH MARIE LANGEVIN3 | 51685 BELLE ISLE DRIVE RUSH CITY, MN 55069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.31% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFATT LUCAS AND OTHERS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.15% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUM WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 4.20% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 25900 AUTUM WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.91% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.91% |
| DESIREE WENDELL3 | 38986 GRAND AVENUE NORTH BRANCH, MN 55056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.45% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.34% |
| ELIZABETH MARIE LANGEVIN3 | 51685 BELLE ISLE DRIVE RUSH CITY, MN 55069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.34% |
| JILL R LAMBERT3 Filed as: JILL R. LAMBERT | 12741 JEFFERSON STREET NE BLAINE, MN 55434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.23% |
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 | 15,178 | 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) | 15,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 783 | $9.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15,178 | $3.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15,178 | $3.8M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15,178 | $4.5M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15,178 | $3.8M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15,178 | $3.8M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 783 | $9.8M |
| Other(7 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15,178 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.