| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | $13K | $52K | 18.94% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: SPIRE RISK MANAGEMENT, LLC | 45 NE LOOP 410 SUITE 690 SAN ANTONIO, TX 78216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.74% |
| MARY A RODRIGUEZ3 | PO BOX 791227 SAN ANTONIO, TX 78279 | AFLAC | $915 | — | $915 | 10.91% |
| RICHARD L JONES JR3 | 20502 BLUE TRINITY SAN ANTONIO, TX 78259 | AFLAC | $109 | — | $109 | 1.30% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NE LOOP 410 STE 408 SAN ANTONIO, TX 78216 | AFLAC | $84 | — | $84 | 1.00% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPUS CHRISTI, TX 78413 | AFLAC | $26 | — | $26 | 0.31% |
| LARRY W MARONEY3 | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $9 | — | $9 | 0.11% |
| GREGORY J WEEKS3 | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $2 | — | $2 | 0.02% |
| JAY T REX3 | 923 ELECTRA LAKEWAY, TX 78734 | AFLAC | $1 | — | $1 | 0.01% |
| HEATHER F SEIBERT3 | 86 COUNTY ROAD 303 SHINER, TX 77984 | AFLAC | $1 | — | $1 | 0.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ROBERT BLAKEY | 221 CALUMET PL SAN ANTONIO, TX 78209 | AFLAC | $1 | — | $1 | 0.01% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 161 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $275K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $275K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $275K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $275K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $275K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 388 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.