| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIPPAWARE LLC3 | 1327 GRANDIN RD SW ROANOKE, VA 24015 | SIRIUSPOINT SPECIALTY INSURANCE CORPORATION | $11K | — | $11K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 11330 LAKEFIELD DRIVE SUITE 100 DULUTH, GA 30097 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $8K | $30K | 16.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IMAGINE 360 CLAIMS ADMIN | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Plan Administrator Service code 12 | 1550 LIBERTY RIDGE DRIVE SUITE 330 WAYNE, PA 19087 | $47K |
| MARSH AND MCLENNAN AGENCY BROKER | Insurance services; Insurance agents and brokers Service code 22 | 11330 LAKEFIELD DRIVE JOHNS CREEK, GA 30097 | $34K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $176K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $176K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $176K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $176K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $176K |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT SPECIALTY INSURANCE CORPORATION | 128 | $218K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 196 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.