| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JESS B WILLIAMS3 Filed as: JESS B. WILLIAMS, JR. | 1303 E MOCKINGBIRD VICTORIA, TX 77904 | BLUE CROSS BLUE SHIELD OF TEXAS | $33K | — | $33K | 4.93% |
| JESS B WILLIAMS3 Filed as: JESS B. WILLIAMS , JR. | 102 TURTLE ROCK VICTORIA, TX 77904 | GUARDIAN LIFE INSURANCE CO | $9K | $3K | $13K | 16.65% |
| ERIK G LILJENWALL3 Filed as: ERIK G. LILJENWALL | 4130 SPICEWOOD SPRINGS ROAD AUSTIN, TX 78759 | GUARDIAN LIFE INSURANCE CO | $43 | — | $43 | 0.06% |
| OPES ONE ADVISORS LLC3 | 15303 DALLAS PKWY ADDISON, TX 75001 | GUARDIAN LIFE INSURANCE CO | $43 | — | $43 | 0.06% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J. MCGURRAN | 15303 N DALLAS PKWY 550 ADDISON, TX 75001 | GUARDIAN LIFE INSURANCE CO | $5 | — | $5 | 0.01% |
| JESS B WILLIAMS3 Filed as: JESS B. WILLIAMS, JR. | 1303 E MOCKINGBIRD LN VICTORIA, TX 779042150 | DEARBORN NATIONAL | $1K | — | $1K | 14.65% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 0 | $675K |
| Dental | GUARDIAN LIFE INSURANCE CO | 90 | $76K |
| Vision | GUARDIAN LIFE INSURANCE CO | 90 | $76K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO | 122 | $85K |
| Short-term disability | GUARDIAN LIFE INSURANCE CO | 90 | $76K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO | 90 | $76K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 0 | $675K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.