| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | ANTHEM INSURANCE COMPANIES, INC. | $31K | $0 | $31K | 1.41% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.94% |
| SYNJYN DAYS3 | 390 BRIDGE PARKWAY, UNIT 1800 ATLANTA, GA 30338 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 12.18% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $66 | $1K | 2.96% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.50% |
| SYNJYN DAYS3 | 1050 CROWN POINTE PARKWAY, STE 1800 ATLANTA, GA 30338 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 12.60% |
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INSURANCE SERVICES | 390 BRIDGE PARKWAY, SUITE 200 REDWOOD CITY, CA 94065 | UNUM INSURANCE COMPANY | $391 | $20 | $411 | 2.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
| JOHNSON & DUGAN INSURANCE SERVICES EIN 94-2917627 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $6K |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 145 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $160K |
| Vision | VISION SERVICE PLAN | 175 | $33K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $47K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $160K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $160K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 145 | $2.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.