| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PENNANT GROUP3 | 302 LOCHLEVEN CT GROVETOWN, GA 30813 | GUARDIAN LIFE INSURANCE CO-AMERICA | $11K | — | $11K | 13.68% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | GUARDIAN LIFE INSURANCE CO-AMERICA | $4K | — | $4K | 5.00% |
| THE PENNANT GROUP3 Filed as: THE PENNANT GROUP LLC | 302 LOCHLEVEN CT GROVETOWN, GA 30813 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $105 | — | $105 | 0.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS INC EIN 35-1450364 ADMINISTRATOR | Other commissions Service code 55 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $24K |
| HEAD CAPITAL ADVISORS EIN 26-3554645 BROKER | Other commissions Service code 55 | 5664 PRAIRIE CREED DR SE CALEDONIA, MI 49316 | $15K |
| AMERICAN HEALTH DATA NETWORK EIN 35-2048379 BROKER | Other commissions Service code 55 | 8330 ALLISON PONTE TRAIL INDIANAPOLIS, IN 46250 | $5K |
| FH GRUP CORP EIN 20-1736437 BROKER | Other commissions Service code 55 | 23291 NETWORK PLACE CHICAGO, IL 60673 | $2K |
| UNIVERSITY PHYSICIANS HOSPITAL EIN 58-2094997 BROKER | Other commissions Service code 55 | 1303 D'ANTIGNAC ST SUITE 1150 AUGUSTA, GA 30901 | $2K |
| VOLTAIRE HEALTH LLC EIN 46-2047081 BROKER | Other commissions Service code 55 | 5800 GRANITE PKWY SUITE 450 PLANO, TX 75024 | $759 |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $53K |
| Dental | GUARDIAN LIFE INSURANCE CO-AMERICA | 104 | $82K |
| Vision | GUARDIAN LIFE INSURANCE CO-AMERICA | 104 | $82K |
| Life insurance | GUARDIAN LIFE INSURANCE CO-AMERICA | 104 | $82K |
| Short-term disability | GUARDIAN LIFE INSURANCE CO-AMERICA | 104 | $82K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO-AMERICA | 104 | $82K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $53K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 41 | $142K |
| Other | GUARDIAN LIFE INSURANCE CO-AMERICA | 104 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.