| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IGAEB, LLC3 | 6640 CAROTHERS PARKWAY SUITE 160 FRANKLIN, TN 37067 | AMERICAN UNITED LIFE INSURANCE COMPANY | $22K | $2K | $24K | 22.29% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.38% |
| IGAEB, LLC3 | 6640 CAROTHERS PARKWAY SUITE 160 FRANKLIN, TN 37067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA | 6640 CAROTHERS PARKWAY SUITE 160 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $890 | — | $890 | 10.12% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $880 | — | $880 | 10.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $432 | — | $432 | 8.66% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA | 6640 CAROTHERS PARKWAY SUITE 160 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 7.50% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA | 6640 CAROTHERS PARKWAY SUITE 160 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $270 | — | $270 | 7.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | — | $190 | 5.28% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $314 | — | $314 | 15.37% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA | 6640 CAROTHERS PARKWAY SUITE 160 FRANKLIN, TN 37067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 7.49% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $51K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $51K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $107K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $107K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $107K |
| Other(5 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.