| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PRIESTLY COMPANY3 Filed as: THE PRIESTLY COMPANY INC | 3100 SUNVIEW DRIVE SUITE 100 BIRMINGHAM, AL 35243 | GUARANTEE TRUST LIFE INSURANCE COMPANY | $41K | — | $41K | 15.00% |
| SURETY UNDERWRITERS LLC0 | 132 CHARLESTON LANE MADISON, MS 39110 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $20K | $20K | 7.34% |
| COVENANT ADMINISTRATORS LLC5 Filed as: COVENANT ADMINISTRATORS INC | 2810 PREMIERE PARKWAY SUITE 400 DULUTH, GA 30097 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $16K | $16K | 5.83% |
| SURETY MARKETING & CONSULTING0 | 3331 CROWELL LANE MOUNT PLEASANT, SC 29466 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $2K | $2K | 0.66% |
| VANTAGE AMERICA SOLUTIONS0 | 1275 MILWAUKEE AVENUE GLENVIEW, IL 60025 | GUARANTEE TRUST LIFE INSURANCE COMPANY | — | $2K | $2K | 0.65% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARANTEE TRUST LIFE INSURANCE COMPANY | 149 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.