| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACCRISURE, LLC | 3628 WALNUT HILLS RD, STE 200 ORANGE VILLAGE, OH 44122 | GUARDIAN LIFE INSURACE COMPANY | $11K | $330 | $11K | 10.79% |
| STANLEY DOUGLAS GILLESPIE3 | 1228 NOTH 164TH STREET OMAHA, NE 68118 | GUARDIAN LIFE INSURACE COMPANY | $3K | $0 | $3K | 2.74% |
| ENROLLEASE3 | 660 YORK STREET, STE 102 SAN FRANSICO, CA 94110 | GUARDIAN LIFE INSURACE COMPANY | $2K | $0 | $2K | 2.05% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | PO BOX 908 FORT WORTH, TX 76101 | GUARDIAN LIFE INSURACE COMPANY | $1K | $0 | $1K | 0.99% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURACE COMPANY | 169 | $106K |
| Vision | GUARDIAN LIFE INSURACE COMPANY | 169 | $106K |
| Life insurance | GUARDIAN LIFE INSURACE COMPANY | 169 | $106K |
| Short-term disability | GUARDIAN LIFE INSURACE COMPANY | 169 | $106K |
| Long-term disability | GUARDIAN LIFE INSURACE COMPANY | 169 | $106K |
| Other | GUARDIAN LIFE INSURACE COMPANY | 169 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.