| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JMB FINANCIAL | 537 CLERMONT STREET DENVER, CO 80220 | GUARDIAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 5.55% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVI | 1900 GRANT STREET SUITE 650 DENVER, CO 80203 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.91% |
| ACRISURE LLC3 | 9605 SO. KINGSTON CT STE 190 ENGLEWOOD, CO 80112 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $600 | $5K | 11.26% |
| VICTORRIO PAUL ZANIOL INC3 Filed as: VICTORRIO PAUL ZANIOL | 7511 BURLINGTON AVE N ST PETERSBURG, FL 33710 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.35% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICE | 1900 GRANT STREET STE 650 DENVER, CO 80203 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.36% |
| TRAVIS J HART3 | — | GUARDIAN LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 252 | $321K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 252 | $321K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 252 | $321K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 252 | $321K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 252 | $321K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 80 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.