| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 9225 PRIORITY WAY WEST DRIVE SUITE 100 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 7.02% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 WEST HIGGINS ROAD, SUITE 310 ROSEMONT, IL 60018 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 6.55% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 1.68% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 2.98% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 WEST HIGGINS ROAD, SUITE 310 ROSEMONT, IL 60018 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 1.85% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $0 | $143 | $143 | 0.06% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 6.11% |
| STUMM INSURANCE LLC3 Filed as: STUMM INSURANCE, LLC | 9400 WEST HIGGINS ROAD, SUITE 310 ROSEMONT, IL 60018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.89% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.94% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 34 | $224K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $209K |
| Vision | STANDARD INSURANCE COMPANY | 180 | $243K |
| Life insurance | STANDARD INSURANCE COMPANY | 180 | $243K |
| Short-term disability | STANDARD INSURANCE COMPANY | 180 | $243K |
| Long-term disability | STANDARD INSURANCE COMPANY | 180 | $243K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 34 | $224K |
| Other | STANDARD INSURANCE COMPANY | 180 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.