| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $13K | 14.59% |
| BENTON J WINRICH3 Filed as: BENTON LUTTRELL INSURANCE | 906 W BAN ALSTYNE VAN ALSTYNE, TX 75495 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4280 SERGEANT ROAD SIOUX CITY, IA 51106 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 7.90% |
| BENTON J WINRICH3 Filed as: BENTON LUTTRELL COMPANY | PO BOX 245 VAN ALSTYNE, TX 75495 | AETNA LIFE INSURANCE CO | $1K | — | $1K | 1.75% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 166 | $67K |
| Vision | AETNA LIFE INSURANCE CO | 166 | $67K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $89K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $89K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $89K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.