| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA INC. | 8200 E 32ND STREET NORTH WICHITA, KS 67226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70K | $3K | $72K | 8.99% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 1.36% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $742 | $4K | 32.03% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.30% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $4 | $3K | 42.14% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| EOI SERVICE COMPANY INC3 | 3100 E MIRALOMA AVE STE 240 ANAHEIM, CA 92806 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $6 | $3K | 38.60% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $804K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $804K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $804K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $804K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $804K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $830K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.