| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 2245 TEXAS DRIVE, SUITE 170 SUGAR LAND, TX 77479 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 11.20% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 8.00% |
| DEMONTROND INSURANCE AGENCY LLC3 Filed as: DEMONTROND INSURANCE AGENCY, LLC | 14101 NORTH FREEWAY HOUSTON, TX 77090 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 7.43% |
| DYNAMIC WORKSITE SOLUTIONS, LLC3 | 16225 PARK TEN PLACE, SUITE 500 HOUSTON, TX 77084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 5.06% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE R. SANTA CRUZ | 718 DUNBAR AVENUE, SUITE 3A BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.30% |
| ROBERT A MCNEESE3 Filed as: ROBERT RODRIGUEZ | 17611 BELWOOD PARK LANE CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.16% |
| DOMINIC RODRIGUEZ3 | 17611 BELWOOD PARK LANE CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.16% |
| DEBRA GAPP3 | 2030 STONE FALLS COURT CYPRESS, TX 77433 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $463 | — | $463 | 0.26% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $295K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $295K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $472K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 174 | $177K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $295K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.