Guardian Recovery Network Holdings
Updated Filing received by DOL
Guardian Recovery Network Holdings, a healthcare & social assistance employer in Delray Beach, Florida, reported 580 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.2M in insurance premiums across 3 contracts and $238,994 in broker commissions and fees, 5.8% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received an amended filing on April 8, 2026; the original filing date is not in the public dataset.
Who was paid on Guardian Recovery Network Holdings's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Guardian Recovery Network Holdings filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Alliant Insurance Services · Phoenix, AZ | $63,926 | $149,752 | $213,678 | 4 |
| Gis Benefits · Morris, IL | $1,529 | $23,787 | $25,316 | 2 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| United Healthcare Insurance Companyhealth | — | $2.8M | $148,700 | 5.3% |
| Principal Life Insurance Companydental, vision, life, short-term disability, long-term disability | 657 | $339,213 | $73,869 | 21.8% |
| Sun Life Assurance Company of Canadahealth | 81 | $32,819 | $16,425 | 50.0% |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Guardian Recovery Network Holdings compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $35,146 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 488 | 580 | +18.9% |
| Premiums filed | $2,902,557 | $3,186,058 | +9.8% |
| Broker commissions + fees | $213,782 | $238,994 | +11.8% |
| Commission rate | 5.1% | 5.8% | +0.7 pts |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Guardian Recovery Network - Health, Dental, Vision, STD, LTD & Life Plan#501 · amended · insurance | December 31, 2025 | April 8, 2026 | amended filing; original date not in data | 580 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Guardian Recovery Network Holdings pay in health insurance broker commissions in 2025?
Guardian Recovery Network Holdings's 2025 Form 5500 reports $238,994 in broker commissions and fees across 3 insurance contracts ($65,455 in commissions, $173,539 in fees), with Alliant Insurance Services receiving the largest share.
Is Guardian Recovery Network Holdings's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by United Healthcare Insurance Company, Sun Life Assurance Company of Canada.
How does Guardian Recovery Network Holdings's broker compensation compare with similar employers?
Guardian Recovery Network Holdings paid 5.8% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Florida is 4.6%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.