| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 8.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN READING, PA 19606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 3.27% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 CLEVELAND, OH 44121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$818 | $0 | -$818 | -0.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$546 | -$3K | -$3K | -1.34% |
| ANSAS WAY, LLC3 | 605 BRIAR RIDGE DRIVE BELLVILLE, TX 77418 | TRUSTMARK INSURANCE COMPANY | $48K | $0 | $48K | 42.67% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & NOYES, LLC | 3100 OLYMPUS BOULEVARD, SUITE 550 COPPELL, TX 75019 | TRUSTMARK INSURANCE COMPANY | $26K | $0 | $26K | 22.98% |
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 | 504 | 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) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $232K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $232K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $344K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $232K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $232K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 513 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.