| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANT INSURANCE AGENCY, INC.3 | 4146 WILLMAN AVENUE N RICHLAND HILLS, TX 76180 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $96K | — | $96K | 10.00% |
| GRANT INSURANCE AGENCY, INC.3 | 4146 WILLMAN AVENUE N RICHLAND HILLS, TX 76180 | COMPANION LIFE INSURANCE COMPANY | $109K | — | $109K | 17.65% |
| 90 DEGREE BENEFITS5 | 4401 82ND ST., SUITE 1200 LUBBOCK, TX 79424 | NATIONAL UNION FIRE INSURANCE | $13K | — | $13K | 11.10% |
| GRANT INSURANCE AGENCY, INC.3 | 4146 WILLMAN AVENUE N RICHLAND HILLS, TX 76180 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 9.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS EIN 26-1569907 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator; Insurance services Service code 12 | — | $302K |
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 | 408 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 482 | $615K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $956K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 864 | $80K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $956K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $956K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $956K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 482 | $615K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 567 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.