| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS, LLC | 512 W. LANCASTER AVE STE 130 WAYNE, PA 19087 | GUARDIAN LIFE INSURANCE COMPANY | $9K | $2K | $12K | 15.95% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| MAZZMAR LLC3 Filed as: MAZZMAR, LLC | 125 EAST ELM ST STE 210 CONSHOHOCKEN, PA 19428 | GUARDIAN LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE STERLING BENEFITS EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $12K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
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 | 45 | 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) | 45 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 45 | $74K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 45 | $74K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 45 | $74K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 45 | $74K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 45 | $74K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 33 | $243K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 45 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45 | — |
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."
No prospect flags tripped on this filing.