| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURANCE CORPORATION AGENCY3 | 3100 SOUTH GESSNER SUITE 560 HOUSTON, TX 77042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 6.40% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INS SERVICES INC | 353 NORTH CLARK STREET CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.50% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $770 | — | $770 | 6.56% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORPORATION | PO BOX 420390 HOUSTON, TX 77242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $445 | — | $445 | 3.79% |
| SOMMER HILL3 | 20331 LINSHIRE DRIVE SPRING, TX 77388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 1.04% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.40% |
| LETICIA VILLARREAL3 | 18507 ALEMARBLE OAK STREET CYPRESS, TX 77429 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.22% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITATE LIFE INSURANCE COMPANY | $356 | — | $356 | 4.96% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORPORATION | PO BOX 420390 HOUSTON, TX 77242 | AMERICAN HERITATE LIFE INSURANCE COMPANY | $168 | — | $168 | 2.34% |
| SOMMER HILL3 | 20331 LINSHIRE DRIVE SPRING, TX 77388 | AMERICAN HERITATE LIFE INSURANCE COMPANY | $88 | — | $88 | 1.23% |
| MONICA AGUAYO3 | 300 SCHOELLKOPE EL PASO, TX 79928 | AMERICAN HERITATE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.56% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITATE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.31% |
| LETICIA VILLARREAL3 | 18507 ALEMARBLE OAK STREET CYPRESS, TX 77429 | AMERICAN HERITATE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.21% |
| GUILLERMO ZUBIA3 | 2417 MONTANA AVENUE EL PASO, TX 79903 | AMERICAN HERITATE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.18% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITATE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 1.71% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORPORATION | PO BOX 420390 HOUSTON, TX 77242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 1.07% |
| SOMMER HILL3 | 20331 LINSHIRE DRIVE SPRING, TX 77388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.35% |
| LETICIA VILLARREAL3 | 18507 ALEMARBLE OAK STREET CYPRESS, TX 77429 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.30% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.24% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $406 | — | $406 | 9.84% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORPORATION | PO BOX 420390 HOUSTON, TX 77242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 4.72% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.53% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $227 | — | $227 | 10.81% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORPORATION | PO BOX 420390 HOUSTON, TX 77242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 5.24% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.52% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 4.53% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORPORATION | PO BOX 420390 HOUSTON, TX 77242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 2.08% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.36% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 8.72% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORPORATION | PO BOX 420390 HOUSTON, TX 77242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 5.21% |
| SOMMER HILL3 | 20331 LINSHIRE DRIVE SPRING, TX 77388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 2.15% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.62% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | — | $97 | 7.90% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORPORATION | PO BOX 420390 HOUSTON, TX 77242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 5.46% |
| SOMMER HILL3 | 20331 LINSHIRE DRIVE SPRING, TX 77388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 3.09% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.41% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PARKWAY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 9.49% |
| SECURANCE CORPORATION AGENCY3 Filed as: SECURANCE CORPORATION | PO BOX 420390 HOUSTON, TX 77242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 5.98% |
| SOMMER HILL3 | 20331 LINSHIRE DRIVE SPRING, TX 77388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 2.73% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.52% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $276K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $276K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $276K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $276K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $276K |
| Other(10 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.