| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COST PLUS ADVISORS LLC3 | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 10.00% |
| COST PLUS ADVISORS LLC3 | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.00% |
| COST PLUS ADVISORS LLC3 Filed as: COST PLUS ADVISORS | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 17.14% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| COST PLUS ADVISORS LLC3 | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| COST PLUS ADVISORS LLC3 Filed as: COST PLUS ADVISORS | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 12.52% |
| COST PLUS ADVISORS LLC3 Filed as: COST PLUS ADVISORS, LLC | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| GROUP BENEFIT STRATEGIES LLC5 Filed as: GROUP BENEFIT STRATEGIES, INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 41.64% |
| COST PLUS ADVISORS LLC3 | 31274 SUGARHILL LANE EVERGREEN, CO 80439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
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 | 1,099 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,008 | $59K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 815 | $73K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 372 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 301 | $147K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 1,099 | $566K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,956 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,956 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.