| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS LLC | 200 W ADAMS STE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 0.60% |
| VXTRA PARTNERS3 Filed as: VXTRA PARTNERS LLC | 2700 CUMBERLAND PKWY STE 140 ATLANTA, GA 30339 | ALLIED BENEFIT SYSTEMS, LLC | $53K | — | $53K | 49.54% |
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS LLC | 200 W ADAMS STE 500 CHICAGO, IL 60606 | ALLIED BENEFIT SYSTEMS, LLC | $31K | — | $31K | 28.84% |
| MERITAIN HEALTH0 Filed as: AETNA LIFE INSURANCE COMPANY | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | ALLIED BENEFIT SYSTEMS, LLC | $23K | — | $23K | 21.62% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE HARTFORD | $5K | — | $5K | 10.84% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 29.63% |
| ROBERT J HUMPHREY3 | 16142 HIDALGO ST CONROE, TX 77303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $476 | — | $476 | 3.50% |
| BRENDA BAKER SHORT3 | 1601 WINDMILL RUN WIMBERLEY, TX 78676 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 1.47% |
| KENNETH B BOYLES3 | 28918 TWISTED OAK DR SHENANDOAH, TX 77381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.56% |
| WILLIAM COVINGTON3 | 1106 BROOKHOLLOW DR DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.29% |
| DENNIS L HUMPHREY3 | 3114 BROOKHAVEN CT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| BRUCE D AKERS3 | 2383 CALYPSO LN LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| DIGITAL INSURANCE LLC3 | 2700 CUMBERLAND PKWY STE 140 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $178 | — | $178 | 19.98% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL ROAD ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.45% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED BENEFIT SYSTEMS, LLC | 97 | $106K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $37K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $37K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD | 135 | $57K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 89 | $734K |
| Other(4 contracts, 3 carriers) | THE HARTFORD | 135 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.