| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $208K | — | $208K | 19.47% |
| JASON P CORLEY3 | 730 COOL SPRINGS BLVD SUITE 120 FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $165K | $13K | $178K | 16.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $673K |
| THE CORLEY AGENCY EIN 62-1663019 BROKER | Other commissions Service code 55 | 390 MALLORY STATION ROAD SUITE 108 FRANKLIN, TN 37067 | $130K |
| EPIPHANY RX, LLC EIN 36-4855405 NONE | Contract Administrator Service code 13 | — | $128K |
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 | 846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 984 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 984 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 984 | $1.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 984 | $1.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 984 | $1.1M |
| Stop-loss / reinsurancereinsurance | US FIRE INS-BRM SPECIALTY MKTS | 849 | $534K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 984 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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."
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.