| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKS PARTNERS3 | 2100 THIRD AVENUE NORTH SUITE 410 BIRMINGHAM, AL 35203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 0.38% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | 10575 KATY FREEWAY, SUITE 150 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 17.40% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD, SUITE 200 SCOTTSDALE, AZ 85255 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.86% |
| NATIONAL ENROLLMENT SERV3 | 450 SKOKIE BOULEVARD, SUITE 702 NORTHBROOK, IL 60062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.36% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | 5151 SAN FELIPE, 24TH FLOOR HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.31% |
| UNKNOWN3 | UNKNOWN BIRMINGHAM, AL 35203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.30% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.83% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.42% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $259K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $709K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $709K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $709K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 336 | $968K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.