| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EMPLOYERS BENEFIT GROOUP, LLC3 | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | COMPANION LIFE INSURANCE COMPANY OF CALIFORNIA | $0 | $0 | $0 | 0.00% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICE | $257K | $0 | $257K | 104.91% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICE | 334 | $245K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICE | 334 | $245K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICE | 334 | $245K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICE | 334 | $245K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICE | 334 | $245K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY OF CALIFORNIA | 334 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.