| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SGL PARTNERS, LLC3 | 500 W 7TH ST SUITE 501 FORT WORTH, TX 76102 | COMPANION LIFE INSURANCE COMPANY | $96K | — | $96K | 17.65% |
| GRANT INSURANCE AGENCY, INC.3 | 4146 WILLMAN AVENUE N RICHLAND HILLS, TX 76180 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 6.60% |
| SGL PARTNERS, LLC3 Filed as: SGL PARTNERS LLC | 2929 W. 5TH ST. SUITE C FORT WORTH, TX 76107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 3.40% |
| 90 DEGREE BENEFITS5 | 4401 82ND ST., SUITE 1200 LUBBOCK, TX 79424 | NATIONAL UNION FIRE INSURANCE | $9K | — | $9K | 11.15% |
| SGL PARTNERS, LLC3 | 2929 W. 5TH ST SUITE C FORT WORTH, TX 76107 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS EIN 26-1569907 THIRD PARTY ADMINISTRATOR | Contract Administrator; Insurance services; Claims processing Service code 12 | — | $286K |
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 | 466 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 466 | $546K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $543K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 769 | $44K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $543K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $543K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $543K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 466 | $546K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 466 | $624K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.