| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 16.51% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 3.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIA BENEFITS EIN 20-8266101 BROKER | Insurance agents and brokers Service code 22 | — | $82K |
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 ADMIN | Claims processing Service code 12 | — | $63K |
| MULTIPLAN REF BASEPR | Claims processing Service code 12 | PO BOX 29380 NEW YORK, NY 10087 | $43K |
| NARUS HEALTH INC. EIN 47-1929604 MAP/UR/DIS MGT | Claims processing Service code 12 | — | $35K |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $333K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $333K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $333K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $333K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $333K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 194 | $312K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 384 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.