| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 12.71% |
| INSGROUP INC3 Filed as: INSGROUP INC. | 1455 WEST LOOP SOUTH, 9TH FLOOR HOUSTON, TX 77027 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.94% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY | $450 | $0 | $450 | 0.37% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 148 | $647K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 165 | $121K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 165 | $121K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 165 | $121K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 165 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 165 | $121K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 148 | $647K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 165 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.