| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $131K | $12K | $143K | 17.51% |
| EDWARD SCARBROUGH3 Filed as: EDWARD L. SCARBROUGH | 3007 RIVER FOREST DRIVE RICHMOND, TX 77406 | AFLAC | $980 | $0 | $980 | 4.76% |
| ROSA NIDYA BARNETT3 | 12307 KLONDIKE RUSH POINT AUSTIN, TX 78726 | AFLAC | $633 | $0 | $633 | 3.07% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E. DANNELLY & OTHER AGENTS | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $294 | $0 | $294 | 1.43% |
| DAWN TOWNS3 Filed as: DAWN MARIE TOWNS | 23242 LIDSTONE POINT COURT KATY, TX 77494 | AFLAC | $211 | $0 | $211 | 1.02% |
| DENNIS W CAMDEN3 Filed as: DENNIS W. CAMDEN | 101 NORTH JEFFERSON STREET ROOM 305 MEXICO, MO 65265 | AFLAC | $108 | $0 | $108 | 0.52% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DRIVE HOUSTON, TX 77068 | AFLAC | $108 | $0 | $108 | 0.52% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $61 | $0 | $61 | 0.30% |
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 | 923 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 923 | $816K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 923 | $816K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 923 | $816K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 923 | $816K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 923 | $816K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 923 | $837K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.