| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALADIN HIB ADVISORS LLC3 | 2838 HILL CREEK DR AUGUSTA, GA 30909 | GUARDIAN | $8K | — | $8K | 10.00% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN | $4K | — | $4K | 5.00% |
| PALADIN HIB ADVISORS LLC3 Filed as: PALADIN HIB ADVISORS | 2828 HILLCREEK DRIVE SUITE A AUGUSTA, GA 30909 | GUARDIAN | $12K | — | $12K | 15.00% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN | $4K | — | $4K | 5.00% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN | $802 | — | $802 | 5.00% |
| PALADIN HIB ADVISORS LLC3 Filed as: PALADIN HIB ADVISORS | 2838 HILLCREEK DRIVE SUITE A AUGUSTA, GA 30909 | GUARDIAN | $802 | — | $802 | 5.00% |
| MARK S METTILLE | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN | $360 | — | $360 | 4.99% |
| PALADIN HIB ADVISORS LLC3 Filed as: PALADIN HIB ADVISORS | 2838 HILLCREEK DRIVE SUITE A AUGUSTA, GA 30909 | GUARDIAN | $360 | — | $360 | 4.99% |
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 | 234 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN | 234 | $7K |
| Long-term disability | GUARDIAN | 234 | $77K |
| Other(2 contracts) | GUARDIAN | 131 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.