| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 1111 BRIARCREST DR BRYAN, TX 77802 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $104K | $27K | $131K | 5.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $75K | — | $75K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 1111 BRIARCREST DR BRYAN, TX 77802 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $241K | $23K | $265K | 12.06% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $66K | — | $66K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 N/A | Claims processing Service code 12 | — | $1.0M |
| RX BENEFITS, INC EIN 63-1157085 N/A | Direct payment from the plan; Claims processing Service code 12 | — | $19K |
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 | 7,281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,379 | $2.5M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,379 | $2.5M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,459 | $2.2M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,459 | $2.2M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,459 | $2.2M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 2,086 | $1.3M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,459 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,459 | — |
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."
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.