| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PENNANT GROUP3 | 302 LOCHLEVEN CT GROVETOWN, GA 30813 | GUARDIAN LIFE INSURANCE COMPANY | $18K | $3K | $21K | 15.80% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE PENNANT GROUP LLC EIN 86-3745312 BROKER | Insurance agents and brokers Service code 22 | 2840 HILLCREEK DRIVE SUITE A AUGUSTA, GA 30909 | $30K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | 201 E OREGON RD SUITE 100 LITITZ, PA 17543 | $20K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMINISTRATOR | Claims processing Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $11K |
| CONNECTCARE3 LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | 201 E OREGON RD SUITE 100 LITITZ, PA 17543 | $4K |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 179 | $134K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 179 | $134K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 179 | $134K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 179 | $134K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 179 | $134K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 59 | $199K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 179 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.