| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 2.75% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | UNITEDHEALTHCARE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.03% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $889 | $0 | $889 | 0.76% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 13.91% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $202 | $0 | $202 | 0.66% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.01% |
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 | 1,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,048 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,048 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,008 | $118K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $31K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,008 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.