| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENSON GREGORY S3 | 2150 S CENTRAL EXPY STE 2 MCKINNEY, TX 75070 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 4.40% |
| GREGORY SETH DENSON3 | 4311 GLACIER POINT COURT PROSPER, TX 75078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.49% |
| ACRISURE LLC3 | 100 OTTAWA AVE GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $182 | $182 | 1.16% |
| OPES ONE ADVISORS LLC3 | 15303 N DALLAS PARKWAY SUITE 550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.12% |
| ACRISURE LLC3 | 2150 S CENTRAL EXPY STE 280 MCKINNEY, TX 75070 | AMERITAS LIFE INSURANCE CORP | $1K | $50 | $1K | 10.47% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | DBA GDP ADVISORS 2150 S CENTRAL EXPY SUITE 280 MCKINNEY, TX 75070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $691 | $35 | $726 | 10.65% |
| DENSON GREGORY S3 | 2150 S CENTRAL EXPWY., #280 MCKINNEY, TX 75070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222 | — | $222 | 3.26% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 96 | $67K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 176 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $7K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $7K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.