| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITTAKER-WARREN INSURANCE, INC.3 | 103 DIXIE DRIVE ENTERPRISE, AL 36330 | THE GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 7.82% |
| THOMPSON INSURANCE INC.3 Filed as: THOMPSON INSURANCE, INC. | 3300 GATSBY LANE MONTGOMERY, AL 36106 | THE GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 5.61% |
| DAVID MILLER3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 18.35% |
| SHERRIE YOUNG3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.78% |
| KERI ANDERSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.36% |
| STEPHANIE CREWS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $456 | — | $456 | 0.82% |
| JULIA PHILLIPS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $153 | — | $153 | 0.28% |
| ANTHONY DANIEL3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $139 | — | $139 | 0.25% |
| KIMBERLY VINSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $102 | — | $102 | 0.18% |
| BLAKE MILLER3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $51 | — | $51 | 0.09% |
| EDDIE PITTS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $35 | — | $35 | 0.06% |
| BETH TEMPLETON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RENEE BROWN | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| MEGAN RINEHART3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOHN MILES ROWAN3 Filed as: JOHN BROOKS, JR. | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID MILLER3 Filed as: DAVID BASS | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID MILLER3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 36.24% |
| SHERRIE YOUNG3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.37% |
| KERI ANDERSON3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $966 | — | $966 | 9.71% |
| STEPHANIE CREWS3 | 3700 S. STONEBRIDGE DRIVE MCKINNEY, TX 75070 | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $196 | — | $196 | 1.97% |
| ARSENAL INSURANCE MANAGEMENT5 | 5151 HAMPSTEAD HIGH STREET SUITE 200 MONTGOMERY, AL 36116 | IRON REINSURANCE COMPANY, INC. | — | $78K | $78K | — |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRON REINSURANCE COMPANY, INC. | 159 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 179 | $207K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 179 | $207K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 179 | $272K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 179 | $207K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 179 | $207K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 179 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.