| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID A HUERTA3 | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.94% |
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES INC | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.88% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | STANDARD SECURITY LIFE | $1K | — | $1K | 7.11% |
| COSTPLUS ADVISORS3 | 26829 TANIC DRIVE SUITE 101 WESLY CHAPEL, FL 33554 | STANDARD SECURITY LIFE | $476 | — | $476 | 2.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP & PENSION ADMINISTRATORS INC EIN 75-2148164 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 12770 MERIT DRIVE DALLAS, TX 75251 | $127K |
| COST PLUS ADVISORS LLC EIN 46-3613400 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4479 EAST MEADOWS DR 2005 VAIL, CO 81657 | $58K |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $65K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $65K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH COMPANY | 237 | $237K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
No prospect flags tripped on this filing.