| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH HOUSTON, TX 77027 | AETNA LIFE INSURANCE COMPANY | — | $56K | $56K | 4.20% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 5110 NORTH 40TH STREET PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 1.55% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $7K | $43K | 14.18% |
| TAILORED WORKSITE SERVICES3 | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 3.03% |
| DOMINIC RODRIGUEZ3 | 17611 BELWOOD PARK LANE CYPRESS, TX 77433 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $954 | $0 | $954 | 0.31% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 306 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $303K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $303K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $303K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $303K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $303K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 306 | $1.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.