| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 12222 MERIT DRIVE, SUITE 1230 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $5K | $32K | 17.65% |
| CRYSTAL J MULVILLE3 | 6 WYNNOAK DRIVE THE WOODLANDS, TX 77382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 9.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 8.05% |
| ELIZABETH FIFFIE3 | 26230 CRYSTAL COVE LN RICHMOND, TX 77406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.20% |
| TODD A STULL3 | 30618 ZERENE TRCE BOOKSHIRE, TX 77423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $950 | $0 | $950 | 1.59% |
| CHRISTOPHER AARON CONLEY3 Filed as: CHRISTOPHER A CONLEY | 2310 LODGEPOINT KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | $0 | $172 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD., SUITE 2400 HOUSTON, TX 77042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.08% |
| FINN INTERESTS INC3 Filed as: FINN INTERESTS INC. | 7676 HILLMONT, SUITE 121 HOUSTON, TX 77040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.06% |
| TANYA LOREE BRYAN3 Filed as: TANYA L BRYAN | 42 N DELTA MILL CIRCLE THE MIDLANDS, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.05% |
| MICHAEL GRASS3 Filed as: MICHAEL P GRASS | 25618 RYANS CREEK COURT KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.03% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| MICHAEL BENDER3 | 7803 ORCHARD GATE CT. BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| TODD A STULL3 | 30618 ZERENE TRCE BROOKSHIRE, TX 77423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DRIVE HOUSTON, TX 77084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALISTON, MD 21047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| PRENTISS A CASTLE, JR3 Filed as: PRENTISS A CASTLE JR | 25503 PENGUIN STREET MAGNOLIA, TX 77355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DAVID MORNINGSTAR3 Filed as: DAVID G MORNINGSTAR | 11275 DOVEDALE CT. MARRIOTTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MICHAEL GRASS3 Filed as: MICHAEL P GRASS | 25618 RYANS CREEK COURT KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 SEALY, TX 77474 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JEREMY A FELDMAN3 | 11275 DOVEDALE CT MARRIOTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| EDWIN VEGA3 | 6305 IVY LANE, STE. 410 GREENBELT, MD 20770 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD., #2400 HOUSTON, TX 77042 | EYEMED | $2K | $0 | $2K | 9.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 6166 RETAIL RD. DALLAS, TX 75231 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $303 | $0 | $303 | 5.28% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 358 | $25K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 354 | $181K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 354 | $181K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 354 | $181K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 525 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.