| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $19K | $50K | 12.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 5.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 4.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 3150 SOUTHWEST 38TH AVENUE SUITE 901 CORAL GABLES, FL 33416 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 800 CAPITAL CIRCLE SE, SUITE 2 TALLAHASSEE, FL 32301 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 9.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 4.97% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | UNKNOWN HOLLYWOOD, FL 33021 | PREFERRED LEGAL PLAN | $1K | $0 | $1K | 26.25% |
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 | 670 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 670 | $389K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 670 | $389K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 670 | $462K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 670 | $389K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 87 | $78K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 670 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.
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.