| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.38% |
| DEAN E. AUSTIN3 Filed as: DEAN & DRAPER INSURANCE AGENCY | 3131 WEST ALABAMA 4TH FLOOR HOUSTON, TX 77098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 6.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUTIE 2400 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.58% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 W ALABAMA ST 4TH FLOOR HOUSTON, TX 77098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.97% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 W ALABAMA ST 4TH FLOOR HOUSTON, TX 77098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.84% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 W ALABAMA ST 4TH FLOOR HOUSTON, TX 77098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BOULEVARD SUITE 2400 HOUSTON, TX 77042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $433 | — | $433 | 9.04% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS LP | 3131 W ALABAMA ST 4TH FLOOR HOUSTON, TX 77098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $286 | — | $286 | 5.97% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $117K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 270 | $33K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 270 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 270 | $48K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 270 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.