| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY STE 140 ATLANTA, GA 30339 | CONTINENTAL BENEFITS | — | $54K | $54K | 13.15% |
| MERITAIN HEALTH0 Filed as: AETNA | 151 FARMINGTON AVE HARTFORD, CT 06156 | CONTINENTAL BENEFITS | — | $29K | $29K | 7.08% |
| CONTINENTAL BENEFITS5 | 422 S KING AVE BRANDON, FL 33511 | CONTINENTAL BENEFITS | — | $17K | $17K | 4.16% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY STE 140 ATLANTA, GA 30339 | TOKIO MARINE HCC | $0 | — | $0 | 0.00% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY STE 140 ATLANTA, GA 30339 | CIGNA | $8K | — | $8K | 9.88% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY STE 140 ATLANTA, GA 30339 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
| AJITH JOHN3 | 2730 COLONIAL LAKES DR MISSOURI CITY, TX 77459 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.65% |
| WEALTH DESIGN GROUP, LLC3 Filed as: WEALTH DESIGN GROUP | 3040 POST OAK BLVD HOUSTON, TX 77056 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.09% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL BENEFITS | 109 | $410K |
| Dental | CIGNA | 106 | $79K |
| Vision | VISION SERVICE PLAN | 87 | $17K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $13K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $13K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 109 | $310K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.