| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $0 | $36K | 11.81% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $51 | $15K | 4.99% |
| UNKNOWN3 | UNKNOWN KITTREDGE, CO 80457 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 2.87% |
| MARY KATHRYN TAYLOR3 | 157 CASA GRANDE LANE SANTA ROSA BEACH, FL 32459 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.52% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.38% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 1 PERIMETER PARK SOUTH, SUITE 344N BIRMINGHAM, AL 35243 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: PRODUCER HUB, LLC | 1555 EAST ORANGEWOOD AVENUE PHOENIX, AZ 85020 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 9.99% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $915 | $0 | $915 | 3.05% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $392 | $0 | $392 | 1.30% |
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 | 506 | 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) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | 175 | $60K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $302K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $302K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $332K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $302K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $302K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
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.