| 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 | $98K | $32K | $130K | 17.99% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $0 | $35K | 4.92% |
| WORKSITE BENEFIT SERVICES3 | 246 INVERNESS CENTER BIRMINGHAM, AL 35242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| 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 | — | — | $0 | 0.00% |
| KAITLIN ELIZABETH FRAZIER3 | 913 BRIARCLIFF RD NE APT BA ATLANTA, GA 30306 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| WORKSITE BENEFIT SERVICES3 | 246 INVERNESS CENTER DRIVE BIRMINGHAM, AL 35242 | TRUSTMARK INSURANCE COMPANY | $345 | — | $345 | 2.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | 2405 SATELLITE BLVD DULUTH, GA 30096 | TRUSTMARK INSURANCE COMPANY | $153 | — | $153 | 1.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY BROWN-OVERDYKE | 1226 DUNWOODY LANE ATLANTA, GA 30319 | TRUSTMARK INSURANCE COMPANY | $56 | — | $56 | 0.44% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 22 INVERNESS CENTER PKWY SUITE 100 BIRMINGHAM, AL 35242 | TRUSTMARK INSURANCE COMPANY | $33 | — | $33 | 0.26% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $29 | — | $29 | 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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $720K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $720K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $720K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $720K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 0 | $720K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 200 | $481K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 14 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.