| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $9K | $46K | 16.54% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | 9401 AMBERGLEN BOULEVARD, SUITE 100 AUSTIN, TX 78729 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.26% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY STREET NE, UNIT 1 SAINT PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.14% |
| MS BENEFITS3 Filed as: MS BENEFITS, LLC | 100 CHALLENGER ROAD, SUITE 400 RIDGEFIELD, NJ 07660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.51% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $4K | $0 | $4K | 3.11% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN INS ADMIN, INC. | 721 SOUTH PARKER STREET ORANGE, CA 92868 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $0 | $2K | $2K | 1.64% |
| MARC PIERONI3 | 12770 MERIT DRIVE DALLAS, TX 75251 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $252 | $0 | $252 | 0.18% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 12 | $143K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $278K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $278K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $278K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $278K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $278K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 12 | $143K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.