| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURORS OF TEXAS3 | P.O. BOX 2683 WACO, TX 767022683 | BLUECROSS BLUESHIELD OF TEXAS | $38K | — | $38K | 5.77% |
| INSURORS OF TEXAS3 | 225 SOUTH 5TH STREET WACO, TX 76701 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 12.39% |
| ERIK G LILJENWALL3 | — | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.00% |
| OPES ONE ADVISORS LLC3 | — | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.00% |
| JAMES A COX3 | 1607 MCLENNAN CROSSING ROAD WACO, TX 76712 | AFLAC | $1K | $890 | $2K | 6.67% |
| INSURORS OF TEXAS3 Filed as: INSURORS OF TX GENERAL AGY LTD | 225 S 5TH STREET WACO, TX 76710 | AFLAC | $1K | — | $1K | 4.82% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: MP INNOVATIVE SOLUTIONS INC | 2410 WYCON DRIVE SUITE 103 WACO, TX 76712 | AFLAC | $1K | $180 | $1K | 4.57% |
| JOHN C RAUP3 | 7215 BOSQUE BLVD SUITE 106 WACO, TX 76710 | AFLAC | $694 | $178 | $872 | 3.03% |
| SCHROEDER SERVICES GROUP LLC3 | PO BOX 820213 DALLAS, TX 75382 | AFLAC | $384 | — | $384 | 1.34% |
| JAMEY H JAYNES3 | 599 PEEVEY LANE ROBINSON, TX 76706 | AFLAC | $12 | — | $12 | 0.04% |
| GREGORY HILEWITZ3 Filed as: GREGORY J HILEWITZ | 2102 BELFREY LANE WALHALLA, SC 29691 | AFLAC | $7 | — | $7 | 0.02% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 157 | $683K |
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 97 | $144K |
| Vision | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 97 | $144K |
| Life insurance | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 97 | $144K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 97 | $172K |
| Long-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 97 | $144K |
| Other | AFLAC | 25 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.