| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIC GROUP | 101 SUMMIT AVENUE, SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $658 | $15K | 8.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 1445 ROSS AVENUE, SUITE 4200 DALLAS, TX 75202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $468 | $9K | 5.35% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP | 101 SUMMIT AVENUE, SUITE 600 FORT WORTH, TX 76102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 10.45% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.22% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J. MCGURRAN | 15303 NORTH DALLAS PARKWAY SUITE 550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | $0 | $22 | 0.06% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP | UNKNOWN DALLAS, TX 75204 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.26% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $37K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 462 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $173K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.