| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEM, LLC5 | 200 W ADAMS SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | — | $4K | $4K | 0.60% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PKWY ATLANTA, GA 30339 | ALLIED BENEFIT SYSTEMS, LLC | — | $53K | $53K | 50.20% |
| ALLIED BENEFIT SYSTEMS, LLC5 | — | ALLIED BENEFIT SYSTEMS, LLC | — | $29K | $29K | 27.76% |
| MERITAIN HEALTH0 Filed as: AETNA LIFE INSURANCE COMPANY | — | ALLIED BENEFIT SYSTEMS, LLC | — | $23K | $23K | 22.04% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY STE 140 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $5K | $3K | $8K | 16.46% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY SUITE 140 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $635 | $8K | 30.90% |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $588 | $588 | 3.81% |
| BRENDA BAKER SHORT3 | 5773 WOODWAY HOUSTON, TX 77057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $210 | $210 | 1.36% |
| KENNETH B BOYLES3 | 28918 TWISTED OAK DR SHENANDOAH, TX 77381 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $91 | $91 | 0.59% |
| WILLIAM COVINGTON3 | 1106 BROOKHOLLOW DRIVE DEERPARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $37 | $37 | 0.24% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN COURT DEER PARK, TX 77536 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.06% |
| BRUCE D AKERS3 | 2383 CALYPSO LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.05% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.05% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY SUITE 140 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $648 | $2K | 35.26% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED BENEFIT SYSTEMS, LLC | 102 | $105K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $27K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $27K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 133 | $63K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 101 | $621K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 133 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.