| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $1K | $0 | $1K | 0.91% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICE | — | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | $395 | $0 | $395 | 0.32% |
| GBC BENEFITS LTD | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | $3K | $32K | 34.56% |
| MARK S METTILLE | 107 CANDLELIGHT LN MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 8.00% |
| OPES ONE ADVISORS LLC | 15303 DALLAS PARKWAY ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $123 | $0 | $123 | 0.13% |
| GBC BENEFITS LTD | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 338 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 200 | $25K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 338 | $124K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 162 | $94K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 338 | $124K |
| Stop-loss / reinsurancereinsurance | QBE | 0 | $578K |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S) | 338 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.