| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GEORGIA | 3483 SATELLITE BLVD STE 100 DULUTH, GA 30096 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.82% |
| EBENCONCEPTS COMPANY3 | 921 CS MCPHERSON CHURCH RD FAYETTEVILLE, NC 28303 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GEORGIA | 3483 SATELLITE BLVD. STE 100 DULUTH, GA 30096 | GUARDIAN LIFE INSURANCE OF AMERICA | $1K | — | $1K | 8.81% |
| BASS III, MOUZON3 Filed as: BASS MOUZON | 5050 SPRING VALLEY RD. DALLAS, TX 75244 | GUARDIAN LIFE INSURANCE OF AMERICA | $847 | — | $847 | 6.19% |
| ERIK G LILJENWALL3 Filed as: ERIK LILJENWALL | 4130 SPICEWOOD SPRING RD. STE 200 AUSTIN, TX 78759 | GUARDIAN LIFE INSURANCE OF AMERICA | $42 | — | $42 | 0.31% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 Filed as: THE MATHIS HILL ROBERTSON | 5040 ROSWELL RD. ATLANTA, GA 30342 | GUARDIAN LIFE INSURANCE OF AMERICA | $24 | — | $24 | 0.18% |
| THE DALLAS GREATER TEXAS AGENCY3 | 15303 DALLAS PARKWAY ADDISON, TX 75011 | GUARDIAN LIFE INSURANCE OF AMERICA | $7 | — | $7 | 0.05% |
| JOHN MCGURRAN3 | 15303 N DALLAS PARKWAY #550 ADDISON, TX 75001 | GUARDIAN LIFE INSURANCE OF AMERICA | $2 | — | $2 | 0.01% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 118 | $50K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 118 | $50K |
| Long-term disability | GUARDIAN LIFE INSURANCE OF AMERICA | 0 | $14K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 118 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.