| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L GOBLE5 Filed as: ROBERT HARLING | 1 ISBELL CT GREENVILLE, SC 29607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $76K | — | $76K | 5.34% |
| BENEFIT SOURCES INC5 Filed as: BENEFIT SOURCES, INC | 304 RIDGELAND DR GREENVILLE, SC 29601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 0.66% |
| CONSOLIDATED PLANNING HOLDINGS3 | 3 MONGIN WAY OKATIE, SC 29909 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE NONE | Claims processing; Direct payment from the plan Service code 12 | 35601 MOUND ROAD STERLING HEIGHTS, MI 48310 | $315K |
| BENEFIT SOURCE, INC NONE | Direct payment from the plan; Plan Administrator Service code 14 | 304 RIDGELAND DR GREENVILLE, SC 29601 | $241K |
| ROBEIN, URANN, SPENCER, PICARD & CA EIN 72-0999672 NONE | Legal; Direct payment from the plan Service code 29 | — | $91K |
| SEGAL CONSULTING NONE | Consulting (pension) Service code 17 | 2018 POWERS FERRY ROAD STE 850 ATLANTA, GA 30339 | $50K |
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 | 765 | 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) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,163 | $1.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,163 | $1.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,163 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,163 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.