| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS INC. | 200 W. ADAMS ST., SUITE 500 CHICAGO, IL 60606 | AMERICAN FIDELITY ASSURANCE COMPANY | $45K | — | $45K | 13.99% |
| PHCS | P.O. BOX D-3232 BOSTON, MA 02241 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | — | $8K | 2.54% |
| BENEFIT CONCEPTS INC3 | 1173 BRITTMOORE HOUSTON, TX 77043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 16.16% |
| THE NITSCHE GROUP INC3 | 143 EAST AUSTIN GIDDINGS, TX 78942 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.85% |
| ERIK G LILJENWALL3 | 4130 SPICEWOOD SPRINGS RD STE 200 AUSTIN, TX 78759 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.07% |
| OPES ONE ADVISORS LLC3 | 15303 DALLAS PKWY ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 15303 DALLAS PKWY ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.03% |
| AON CONSULTING INC3 | P.O. BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $377 | $38 | $415 | 13.25% |
| THE NITSCHE GROUP INC3 Filed as: NITSCHE & FERGUSON INS AGENCY INC | 143 E AUSTIN ST GIDDINGS, TX 78942 | METROPOLITAN LIFE INSURANCE COMPANY | $52 | — | $52 | 1.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | $212 | $21 | $233 | 16.57% |
| AON CONSULTING INC | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $121 | $1K | — |
| THE NITSCHE GROUP INC3 Filed as: NITSCHE & FERGUSON INS AGENCY INC | 143 E. AUSTIN ST. GIDDINGS, TX 78942 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | — |
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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 27 | $144K |
| Dental | AETNA LIFE INSURANCE CO. | 0 | $144K |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $286K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $286K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $286K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $286K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 194 | $320K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 270 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.