| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE ALLIANCE LLC3 | 1725 WINDWARD CONCOURSE SUITE 100 ALPHARETTA, GA 30005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55K | $0 | $55K | 6.82% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC. | ONE RAVINIA DRIVE SUITE 1750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $608 | $0 | $608 | 0.07% |
| RESOURCE ALLIANCE LLC3 | 1725 WINDWARD CONCOURSE SUITE 100 ALPHARETTA, GA 30005 | BLUE CROSS BLUE SHIELD OF GEORGIA | $99K | $0 | $99K | 12.80% |
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 | 931 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $813K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $813K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $813K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $813K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $813K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF GEORGIA | 635 | $771K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF GEORGIA | 635 | $771K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 931 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 931 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.