| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, INC. | 1455 WEST LOOP SOUTH, 9TH FLOOR HOUSTON, TX 77027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $9K | $10K | 17.75% |
| SARA HALL3 | 122 ALMOND DRIVE LAKE JACKSON, TX 77566 | AFLAC | $2K | $0 | $2K | 14.23% |
| SARAH HALL3 | 1327 MEADOWLARK LANE SUGAR LAND, TX 77478 | AFLAC | $2K | $0 | $2K | 12.61% |
| MARY E HUCKABEE3 Filed as: MARY S. GILBREATH | 1327 MEADOWLARK LANE SUGAR LAND, TX 77478 | AFLAC | $837 | $0 | $837 | 6.70% |
| JOE ANTHONY RODRIGUEZ3 | 902 DIPPING LANE HOUSTON, TX 77076 | AFLAC | $410 | $0 | $410 | 3.28% |
| ERIC D WESTALL3 Filed as: ERIC D. WESTALL | 2626 SOUTH LOOP WEST, SUITE 340 HOUSTON, TX 77054 | AFLAC | $373 | $0 | $373 | 2.99% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $57K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $57K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.