| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 680 HAWTHORNE AVE SE #140 SALEM, OR 97301 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 1.52% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 680 HAWTHORNE AVENUE #140 SALEM, OR 97301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.04% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS ADVISORS LP | PO BOX 4100 PORTLAND, OR 972084100 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $363 | $363 | 4.01% |
| ALDRICH BENEFITS LP3 | P0 BOX 4100 PORTLAND, OR 972084100 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $289 | $289 | 4.00% |
| ALDRICH BENEFITS LP3 | PO BOX 4100 PORTLAND, OR 972084100 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $858 | — | $858 | 15.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $229 | $229 | 4.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $202 | $202 | 4.01% |
| MARK MATHIAS3 Filed as: MARK J. WORKMAN | 31 POPPY IRVINE, CA 92618 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117 | — | $117 | 3.99% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 680 HAWTHORNE AVE SE #140 SALEM, OR 97301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30 | — | $30 | 10.14% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 680 HAWTHORNE AVE SE #140 SALEM, OR 97301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$11 | — | -$11 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE FINANCIAL EIN 38-1082080 NONE | Insurance services Service code 23 | — | $317K |
| GUARDIAN LIFE INS. EIN 13-5123390 NONE | Insurance services Service code 23 | — | $34K |
| C.A.S. EIN 91-1991574 NONE | Contract Administrator Service code 13 | — | $32K |
| VSP EIN 91-6056925 NONE | Insurance services Service code 23 | — | $23K |
| THE LINCOLN NATIONAL EIN 35-0472300 NONE | Insurance services Service code 23 | — | $20K |
| PREMIER HEALTHCARE EIN 86-1040704 NONE | Insurance services Service code 23 | — | $11K |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $32K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $38K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 114 | $273K |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.