| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 FRIENDSWOOD, TX 77546 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | $0 | $48K | 7.66% |
| RISK SERVICES OF LOUISIANA INC3 | 6425 YOUREE DRIVE, SUITE 550 SHREVEPORT, LA 71105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 2.65% |
| RETHINK WEALTH LLC3 | UNKNOWN HOUSTON, TX 77070 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $79 | $0 | $79 | 0.01% |
| HIGHPOINT INSURANCE GROUP, LLC3 | 4300 FM 2351 ROAD FRIENDSWOOD, TX 77546 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 2.64% |
| RISK SERVICES OF LOUISIANA INC3 | 400 TEXAS STREET, SUITE 100 SHREVEPORT, LA 71101 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 1.03% |
| DIERDRE KENNEDY3 | 1000 EAST WALNUT STREET, SUITE 236 PASADENA, CA 91106 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 0.78% |
| RISK SERVICES OF LOUISIANA INC3 | 6425 YOUREE DRIVE, SUITE 550 SHREVEPORT, LA 71105 | SIMNSA | $2K | $0 | $2K | 7.00% |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 34 | $413K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $621K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $621K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $621K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $621K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $621K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 288 | $717K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $662K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.