| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | 300 CORPORATE PARKWAY BUFFALO, NY 14203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $73K | $73K | 15.49% |
| PALADIN HIB ADVISORS LLC3 | 2838 HILLCREEK DRIVE AUGUSTA, GA 30909 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51K | — | $51K | 10.83% |
| PALADIN HIB ADVISORS LLC3 Filed as: PALADIN HIB ADVISORS | 2838 HILLCREEK DRIVE SUITE A AUGUSTA, GA 30909 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA135123390 | $11K | $3K | $14K | 17.55% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA135123390 | $4K | — | $4K | 5.60% |
| PALADIN HIB ADVISORS LLC3 | 2838 HILLCREEK DRIVE AUGUSTA, GA 30909 | GREATER GEORGIA LIFE INSURANCE COMPANY | $947 | — | $947 | 11.58% |
| ACRISURE LLC3 | 100 OTTAWA AVE. SW GRAND RAPIDS, MI 49503 | GREATER GEORGIA LIFE INSURANCE COMPANY | $303 | — | $303 | 3.70% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $470K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA135123390 | 99 | $79K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA135123390 | 99 | $79K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 128 | $8K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA135123390 | 99 | $79K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $470K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA135123390 | 99 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.