| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $96K | $49K | $144K | 20.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 2.88% |
| WORKSITE BENEFIT SERVICES3 | 246 INVERNESS CENTER BIRMINGHAM, AL 35242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $521 | $0 | $521 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY J BROWN-OVERDYKE | 2526 STONINGTON ROAD DUNWOODY, GA 30338 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 0.00% |
| KAITLIN ELIZABETH FRAZIER3 | 913 BRIARCLIFF RD NE APT BA ATLANTA, GA 30306 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | $0 | $15 | 0.00% |
| WORKSITE BENEFIT SERVICES3 | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | TRUSTMARK INSURANCE COMPANY | $663 | — | $663 | 4.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | 2405 SATELLITE BLVD DULUTH, GA 30096 | TRUSTMARK INSURANCE COMPANY | $216 | $0 | $216 | 1.32% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $169 | $0 | $169 | 1.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY BROWN-OVERDYKE | 1226 DUNWOODY LANE ATLANTA, GA 30319 | TRUSTMARK INSURANCE COMPANY | $79 | — | $79 | 0.48% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $709K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $709K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $709K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $709K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $709K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 188 | $454K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.