| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPLAIN MY BENEFITS LLC3 | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 45.17% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 721 EMERSON ROAD STE 400 SAINT LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 24.32% |
| MEMBER RESOURCES INC3 | 8531 CROWN CRESCENT COURT STE A CHARLOTTE, NC 282277795 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.43% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $5K | $2K | $7K | 13.60% |
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 | 705 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,142 | $78K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,142 | $78K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,142 | $78K |
| Stop-loss / reinsurancereinsurance | U S FIRE INSURANCE COMPANY | 705 | $270K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,142 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,142 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.