| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 5TH FLOOR DALLAS, TX 75231 | GUARDIAN LIFE INSURANCE COMPANY | $24K | $8K | $32K | 20.10% |
| CRYSTAL J MULVILLE3 | 6 WYNNOAK DRIVE THE WOODLANDS, TX 77382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 11.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NYC LLC MARSH & MCLENNAN | 2500 CITY WEST BLVD SUITE 2400 HOUSTON, TX 77042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 10.18% |
| ELIZABETH FIFFIE3 | 26230 CRYSTAL COVE LANE RICHMOND, TX 77406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.93% |
| TODD A STULL3 | 2847 ELDER RD KATY, TX 77493 | CONTINENTAL AMERICAN INSURANCE COMPANY | $599 | $0 | $599 | 1.06% |
| ROBERT PILKENTON3 | 1039 LOUISE ST., STE. 100 HOUSTON, TX 77009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $503 | $0 | $503 | 0.89% |
| CHRISTOPHER AARON CONLEY3 Filed as: CHRISTOPHER A CONLEY | 23106 LODGEPOINT KATY, TX 77494 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | $0 | $171 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NYC LLC MARSH & MCLENNAN | 2500 CITY WEST BLVD. SUITE 2400 HOUSTON, TX 77042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.07% |
| FINN INTERESTS INC3 Filed as: FINN INTERESTS INC. | 7676 HILLMONT, SUITE 121 HOUSTON, TX 77040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.07% |
| TANYA LOREE BRYAN3 Filed as: TANYA L BRYAN | 42 N DELTA MILL CIRCLE THE MIDLANDS, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.04% |
| 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 | $5 | $0 | $5 | 0.01% |
| MICHAEL BENDER3 | 7803 ORCHARD GATE CT BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| TODD A STULL3 | 2847 ELDER RD KATY, TX 77493 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| JEFF MUSGROVE3 Filed as: JEFF MURGROVE | 3126 PINEY FOREST DRIVE HOUSTON, TX 77084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALISTON, MD 21047 | 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% |
| PRENTISS A CASTLE, JR3 | 25503 PENGUIN STREET MAGNOLIA, TX 77355 | 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | EYEMED | $3K | $0 | $3K | 11.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 22.25% |
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 | 389 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 416 | $24K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 421 | $160K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 421 | $160K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 421 | $160K |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 421 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.