| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 9100 KEYSTONE CROSSING SUITE 550 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 8.22% |
| HAYS COMPANIES, INC.3 | 18201 VON KARMAN AVE SUITE 1020 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.20% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | PO BOX 1414 MINNEAPOLIS, MN 55480 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 4.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1 INDEPENDENCE PLZ BIRMINGHAM, AL 35209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.59% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE SERVICES INC. | PO BOX 2153 BIRMINGHAM, AL 35287 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.66% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $852 | — | $852 | 0.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | PO BOX 1414 MINNEAPOLIS, MN 55480 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 9.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 6000 POPLAR AVE SUITE 300 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 5.10% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR AVE SUITE 300 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $919 | — | $919 | 3.85% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST STUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $382 | — | $382 | 1.60% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $102K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $186K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $186K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $186K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $186K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.