| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 5TH FLOOR DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78K | $8K | $85K | 13.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 10.24% |
| CRYSTAL J MULVILLE3 Filed as: CRYSTAL JASPER MULVILLE | 6 WYNNOAK DRIVE THE WOODLANDS, TX 77382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.97% |
| EVELYN G VILLARREAL3 | 7722 RICHMOND AVE HOUSTON, TX 77063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.64% |
| VICKIE D GRAVES3 | 16430 PARK TEN PL HOUSTON, TX 77084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $654 | $0 | $654 | 0.74% |
| ELIZABETH ANN FIFFIE3 | 31335 KENSWICK GROVE LANE FULSHEAR, TX 77441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $573 | $0 | $573 | 0.65% |
| LUKE RUSSELL KIRKWOOD3 | 22418 AUTUMN STREAM LN TOMBALL, TX 77375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $511 | $0 | $511 | 0.58% |
| TODD A STULL3 | 30618 ZERENE TRCE BROOKSHIRE, TX 77423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | $0 | $185 | 0.21% |
| ROBERT PILKENTON3 Filed as: ROBERT LEO PILKENTON | 1039 LOUISE ST HOUSTON, TX 77009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | $0 | $103 | 0.12% |
| TANYA LOREE BRYAN3 | 42 N DELTA MILL CIR THE MIDLANDS, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.05% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $646K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $646K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $646K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $646K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $646K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 658 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.