| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 | — | ALLIED | — | $33K | $33K | 29.96% |
| DIGITAL INSURANCE LLC3 | — | ALLIED | — | $26K | $26K | 23.62% |
| VXTRA PARTNERS3 | — | ALLIED | — | $26K | $26K | 23.51% |
| MERITAIN HEALTH0 Filed as: AETNA LIFE INSURANCE COMPANY | — | ALLIED | — | $22K | $22K | 20.27% |
| GEORGIA J CANNADY Filed as: GEORGIA HEALTH NETWORK | — | ALLIED | — | $2K | $2K | 1.48% |
| AMERICAN HEALTH HOLDING | — | ALLIED | — | $1K | $1K | 1.16% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 75019 | THE HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 10.93% |
| DIGITAL INSURANCE LLC3 | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | GUARDIAN | $10K | $1K | $12K | 29.87% |
| ROBERT J HUMPHREY3 | 16142 HIDALGO CONROE, TX 77303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $360 | — | $360 | 3.06% |
| BRENDA BAKER SHORT3 | 1601 WINDMILL RUN WIMBERLY, TX 78676 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 1.49% |
| KENNETH B BOYLES3 Filed as: KENNETH B BOYELS | 28918 TWISTED OAK DRIVE SHENANDOAH, TX 77381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.50% |
| WILLIAM COVINGTON3 | 1106 BROOKHOLLOW DR DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.30% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN CT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| BRUCE D AKERS3 | 2383 CALYPSO LN LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.07% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED | 93 | $111K |
| Dental | GUARDIAN | 90 | $39K |
| Vision | GUARDIAN | 90 | $39K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 141 | $53K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 141 | $53K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 141 | $41K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 93 | $804K |
| Other | GUARDIAN | 90 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.