| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77K | $16K | $93K | 18.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIA BENEFITS CONSULT EIN 20-8266101 BROKER | Custodial (securities) Service code 19 | PO BOX 460 ROSSVILLE, GA 30741 | $79K |
| LUCENT HEALTH SOLUTIONS CLAIMS | Claims processing Service code 12 | 5560 W GRANDE MARKER DRIVE APPLETON, WI 54913 | $66K |
| CONNECTICUT GENERAL EIN 06-0303370 OTHER | Other fees Service code 99 | PO BOX 645014 CINCINNATI, OH 45264 | $37K |
| PARETO CAPTIVE SERVICES CAPTMGT | Claims processing Service code 12 | 2929 WALNUT STREET #1500 PHILADELPHIA, PA 19104 | $5K |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 195 | $517K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $514K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $514K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $514K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $514K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $514K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 195 | $517K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $514K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.