| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES N. LARKAM II3 Filed as: CHARLES NEWTON LARKAM II | 9606 N MO PAC EXPY SUITE950 AUSTIN, TX 78759 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $79K | $83K | 5.22% |
| EXPERINS, LLC3 Filed as: EXPERINS LLC | 11211 TAYLOR DRAPER LN SUITE 110 AUSTIN, TX 78759 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.24% |
| LARKAM, CHARLES N3 | 9606 N MO PAC EXPY SUITE 950 AUSTIN, TX 78759 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.93% |
| MORRIS, JR JOE M3 | 9606 N. MO PAC EXPY SUITE 950 AUSTIN, TX 78759 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.93% |
| AON CONSULTING INC3 Filed as: DAVID W BRYANT | 302 AGUJA COURT LAKEWAY, TX 78738 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 23.97% |
| CHRISTOPHER ANDREW FORTON3 | 318 MAXWELL WAY AUSTIN, TX 78738 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 19.53% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE HILL COUNTRY LLC | 8911 N CAP TX HGWY AUSTIN, TX 78759 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.70% |
| CARSLISLE-LYNCH, LLC3 | 208 HEWITT SUITE 103-339 WOODWAY, TX 76712 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $224 | $0 | $224 | 0.89% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 24 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 24 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 24 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $80K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $80K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $55K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.