| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES3 | 731 N TAYLOR AMARILLO, TX 79107 | US BENEFITS | $51K | — | $51K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $6K | $21K | 16.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MHBT INC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75213 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 16.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFIT LLC | PO BOX 71542 CHICAGO, IL 60695 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 11.00% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.26% |
| CINDY V SHIELDS3 | 3434 PM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.01% |
| CHRIS WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 0.35% |
| INSURANCE MANAGEMENT SERVICES3 | 731 N TAYLOR AMARILLO, TX 79107 | AIG LIFE | $3K | — | $3K | 10.00% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US BENEFITS | 156 | $339K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $128K |
| Vision | US BENEFITS | 156 | $339K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $128K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $128K |
| Prescription drug | US BENEFITS | 156 | $339K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.