| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRTUS LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $115K | — | $115K | 29.39% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $3K | $41K | 10.52% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 10.06% |
| JENNON M CARUTH3 | 1331 HEATHER COURT CHANHASSEN, MN 55317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.38% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARKS, KS 66212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 11.86% |
| VIRTUS LLC3 | 9800 METCALF AVENUE SUITE 500 OVERLAND PARK, KS 66212 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $1K | — | $1K | 12.00% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 388 | $229K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 430 | $34K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $391K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $391K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $391K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 580 | $392K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.