| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY, LLC3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.49% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN BRANDON, FL 33511 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 7.90% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 1331 HEATHER COURT CHANHASSEN, MN 55317 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.06% |
| GCG FINANCIAL LLC3 Filed as: CLARITY | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55344 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $335 | $0 | $335 | 0.99% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, LLC | UNKNOWN BRANDON, FL 33511 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78 | — | $78 | 0.23% |
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 | 76 | 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) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $34K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $34K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $34K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $34K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.