| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURORS OF TEXAS GENERAL AGENCY3 | — | BLUECROSS BLUESHIELD OF TEXAS | $1K | — | $1K | 0.13% |
| INSURORS OF TEXAS GENERAL AGENCY3 | 225 SOUTH 5TH STREET WACO, TX 76791 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 11.69% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS LIFE & HEALTH | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.67% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 193 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $327K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $327K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $327K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $327K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 320 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.