| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROAD REACH BENEFITS3 Filed as: BROAD REACH BENEFITS INC. | 4 CENTURY DRIVE, SUITE 360 PARSIPPANY, NJ 07054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.65% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.54% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.73% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 36.81% |
| HP PLANNING LLC3 | 30 COOK PLAZA, SUITE 200 MADISON, NJ 07940 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 35.00% |
| PEACHTREE PLANNING OF GEORGIA3 | UNKNOWN FRANKLIN, TN 37064 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $280 | $0 | $280 | 2.62% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN FRANKLIN, TN 37064 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $217 | $217 | 2.03% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $72K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.