| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 | 200 W. ADAMS SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | — | $3K | $3K | 0.59% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PKWY ATLANTA, GA 30339 | ALLIED BENEFIT SYSTEMS INC | — | $53K | $53K | 51.14% |
| ALLIED BENEFIT SYSTEM, LLC5 Filed as: ALLIED BENEFIT SYSTEM INC. | — | ALLIED BENEFIT SYSTEMS INC | — | $27K | $27K | 26.20% |
| MERITAIN HEALTH0 Filed as: AETNA LIFE INSURANCE COMPANY | — | ALLIED BENEFIT SYSTEMS INC | — | $24K | $24K | 22.66% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PKWY ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $527 | $9K | 16.11% |
| PEACHTREE PLANNING OF GEORGIA3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.05% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PKWY ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 29.95% |
| ROBERT J HUMPHREY3 Filed as: ROBERT J HUMPHERY | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $993 | $993 | 4.44% |
| BRENDA BAKER SHORT3 | 5773 WOODWAY HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $243 | $243 | 1.09% |
| KENNETH B BOYLES3 | 28918 TWISTED OAK DR SHENANDOAH, TX 77381 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $148 | $148 | 0.66% |
| WILLIAM COVINGTON3 | 1106 BROOKHOLLOW DR DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $41 | $41 | 0.18% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES INC. | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $11 | $11 | 0.05% |
| DENNIS L HUMPHREY3 Filed as: DENNIS L HUMPHERY | 3114 BROOKHAVEN CT DEERPARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.04% |
| BRUCE D AKERS3 Filed as: BRUCE D. AKERS | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.04% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED BENEFIT SYSTEMS INC | 108 | $104K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $28K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $28K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $80K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $80K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 111 | $534K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.