| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 225 W. SANTA CLARA ST., SUITE 1150 SAN JOSE, CA 95113 | AETNA LIFE INSURANCE CO. | — | $16K | $16K | 4.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES | 3800 N. CENTRAL AVE., 9TH FLOOR PHOENIX, AZ 85012 | AETNA LIFE INSURANCE CO. | $12K | $73 | $12K | 3.11% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | P.O. BOX 905494 CHARLOTTE, NC 28290 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.62% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY INC. | 5080 N. 40TH ST., SUITE 400 PHOENIX, AZ 85018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $121 | — | $121 | 0.14% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 122 | $390K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $87K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $87K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $87K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $87K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $87K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 122 | $390K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.