| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP LLC | 1825 MAIN STREET SUITE 102 WESTON, FL 33326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $72K | $72K | 3.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 1.51% |
| BANYAN BENEFITS GROUP3 | 4581 WILLOW BASIN WAY LAKE WORTH, FL 33467 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 0.99% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 0.49% |
| BANYAN BENEFITS GROUP3 | 4581 WILLOW BASIN WAY LAKE WORTH, FL 33467 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 7.04% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP, LLC | 1825 MAIN STREET SUITE 102 WESTON, FL 33326 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE #400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 9909 MIRA MESA BLVD STE 160 SAN DIEGO, CA 92131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.20% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 7.99% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP LLC | 1825 MAIN STREET SUITE 102 WESTON, FL 33326 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $995 | — | $995 | 4.52% |
| BANYAN BENEFITS GROUP3 | 4581 WILLOW BASIN WAY LAKE WORTH, FL 33467 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $765 | — | $765 | 3.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $248 | — | $248 | 1.13% |
| ACHIOTE ENTERPRISES INC3 Filed as: ACHIOTE ENTERPRISES | 3850 S UNIVERSITY DR UNIT 2913 DAVIE, FL 33332 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $191 | — | $191 | 0.87% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $4K | $6K | 35.67% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INS & FINANCIAL SERVICES INC | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $5 | $5 | 0.03% |
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 | 211 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 250 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $408K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $408K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $408K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $408K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $408K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.