| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6480 ROCKSIDE WOODS BLVD S #210 INDEPENDENCE, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 6480 ROCKSIDE WOODS BLVD S #210 INDEPENDENCE, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.36% |
| LIFETIME FINANCIAL GROWTH3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 0.18% |
| INSURANCE SPECIALIST LLC3 Filed as: INSURANCE SPECIALIST | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $641 | — | $641 | 5.99% |
| HOUCHENS INSURANCE3 Filed as: HOUCHENS INS GROUP | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | VISION SERVICE PLAN | $120 | — | $120 | 1.12% |
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 | 68 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHEILD OF ALABAMA | 54 | $682K |
| Dental | BLUE CROSS AND BLUE SHEILD OF ALABAMA | 54 | $682K |
| Vision | VISION SERVICE PLAN | 34 | $11K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 68 | $48K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 68 | $48K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 68 | $48K |
| Prescription drug | BLUE CROSS AND BLUE SHEILD OF ALABAMA | 54 | $682K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 68 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.