| 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 | $85K | $14K | $99K | 9.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $5K | $65K | 6.01% |
| EDWARD SCARBROUGH3 Filed as: EDWARD L. SCARBROUGH | 3007 RIVER FOREST DRIVE RICHMOND, TX 77406 | AFLAC | $740 | $0 | $740 | 4.74% |
| ROSA NIDYA BARNETT3 | 12307 KLONDIKE RUSH POINT AUSTIN, TX 78726 | AFLAC | $485 | $0 | $485 | 3.11% |
| MJ INSURANCE3 Filed as: JEFFREY C. WEST AND VARIOUS AGENTS | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $408 | $0 | $408 | 2.61% |
| DAWN TOWNS3 Filed as: DAWN MARIE TOWNS | 23242 LIDSTONE POINT COURT KATY, TX 77494 | AFLAC | $151 | $0 | $151 | 0.97% |
| DENNIS W CAMDEN3 Filed as: DENNIS W. CAMDEN | 101 NORTH JEFFERSON STREET SUITE 305 MEXICO, MO 65265 | AFLAC | $85 | $0 | $85 | 0.54% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DRIVE HOUSTON, TX 77068 | AFLAC | $82 | $0 | $82 | 0.53% |
| CLARENCE E (GENE) DANNELLY3 Filed as: CLARENCE E(GENE) DANNELLY | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $67 | $0 | $67 | 0.43% |
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 | 1,035 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $1.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $1.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $1.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,035 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,035 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.