| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN LIFE | $18K | $7K | $25K | 14.15% |
| JEFF A MUND3 Filed as: JEFF MUND | 256 WEST MILL STREET NEW BRAUNFELS, TX 78130 | TOKIO MARINE HCC | $6K | — | $6K | 9.98% |
| IMAGINE 360 ADMINISTRATORS, LLC3 | P.O. BOX 749075 DALLAS, TX 753749075 | TOKIO MARINE HCC | $0 | $2K | $2K | 3.30% |
| JEFF A MUND3 | 256 W MILL ST NEW BRAUNFELS, TX 78130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 19.70% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN LIFE | 241 | $175K |
| Short-term disability | GUARDIAN LIFE | 241 | $175K |
| Long-term disability | GUARDIAN LIFE | 241 | $175K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE | 291 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.