| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 Filed as: AETNA INSURANCE | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | AETNA | — | $120K | $120K | 33.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | PO BOX 201469 DALLAS, TX 75320 | AETNA | $103K | — | $103K | 28.39% |
| CHRISTOPHER M GARDNER3 | 2612 LOY LAKE RD 100 SHERMAN, TX 75090 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 9.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | 10 SOUTH WACKER DR, FLOOR17 CHCIAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.34% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 200 | $362K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $211K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $211K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $211K |
| Stop-loss / reinsurancereinsurance | AETNA | 200 | $362K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.