| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $8K | $30K | 15.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $677 | — | $677 | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $635 | — | $635 | 4.27% |
| CHRISTOPHER J WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $296 | — | $296 | 1.99% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | — | $146 | 0.98% |
| CINDY V SHIELDS3 | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 0.89% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $19 | $19 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $363 | — | $363 | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $344 | — | $344 | 3.25% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 1.70% |
| CINDY V SHIELDS3 | 3434 FM 1346 LAVERNA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 1.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 1.30% |
| CHRISTOPHER J WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $16 | $16 | 0.15% |
| JUND BRIAN EDWARD3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.95% |
| CHRISTOPHER J WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $743 | — | $743 | 8.57% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $72 | $72 | 0.83% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.62% |
| CINDY V SHIELDS3 | 3434 FM 1346 LAVERNIA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL 16TH FLOOR DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $400 | — | $400 | 6.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $363 | — | $363 | 5.51% |
| CHRISTOPHER J WILSON3 | 6575 PFEIL ROAD SCHERTZ, TX 78154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 2.35% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 1.14% |
| CINDY V SHIELDS3 | 3434 FM 1346 LAVERNA, TX 78121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 1.14% |
| BRIAN EDWARD JUND3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $19 | $19 | 0.29% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $191K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $191K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $191K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $191K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.