| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN SNELLINGS INSURANCE AGENC3 | P.O. BOX 661061 DALLAS, TX 752661061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $79K | — | $79K | 12.87% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 | P.O. BOX 661061 DALLAS, TX 752661061 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 2.19% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.50% |
| SNELLINGS WALTERS INSURANCE AGENCY3 | PO BOX 661061 DALLAS, TX 752661061 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 20.90% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.28% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.10% |
| SNELLINGS WALTERS INSURANCE AGENCY3 | PO BOX 661061 DALLAS, TX 752661061 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 20.31% |
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $478 | $478 | 1.25% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.10% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 568 | $80K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $611K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $611K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $611K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $611K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 568 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.