| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| US BENTEC WORKPLACE SOLUTIONS | 700 W. HILLSBORO BLVD STE 2-1 DEERFIEL BEACH, FL 33441 | GUARDIAN | $21K | — | $21K | 6.50% |
| MY HR PROFESSIONALS BENEFITS | 1701 MAIN ST VAN BUREN, AR 72956 | GUARDIAN | $8K | — | $8K | 2.50% |
| THOMPSON RISK II, LLC Filed as: THOMPSON RISK II LLC | 2575 NORTHBROOKE PLAZA DRIVE UNITE 204 NAPLES, FL 34119 | GUARDIAN | $6K | $52 | $6K | 2.05% |
| PHRI LLC | 35 PARKWOOD DRIVE SUITE 200 HOPKINTON, MA 01748 | GUARDIAN | $6K | — | $6K | 1.97% |
| MY HR PROFESSIONALS BENEFITS | 1701 MAIN STR VAN BUREN, AR 72956 | GUARDIAN | $4K | — | $4K | 3.09% |
| THOMPSON RISK II, LLC Filed as: THOMPSON RISK II LLC | 2575 NORTHBROOKE PLAZA DRI UNITE 204 NAPLES, FL 34119 | GUARDIAN | $3K | $24 | $3K | 2.26% |
| PHRI LLC | 35 PARKWOOD DRIVE SUITE 200 HOPKINTON, MA 01748 | GUARDIAN | $2K | — | $2K | 2.00% |
| US BENTEC WORKPLACE SOLUTIONS | 700 W. HILLSBORO BLVD STE 2-1 DEERFIELD BEACH, FL 33441 | GUARDIAN | $973 | — | $973 | 0.78% |
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 | 509 | 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) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 509 | $317K |
| Vision | GUARDIAN | 509 | $317K |
| Life insurance | GUARDIAN | 509 | $317K |
| Short-term disability(2 contracts) | GUARDIAN | 509 | $441K |
| Long-term disability | GUARDIAN | 256 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.