| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD G MCGOWAN3 Filed as: RICHARD A GOLDSTEIN | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | — | $50K | 16.94% |
| TRUENORTH COMPANIES LC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 5.58% |
| RICHARD G MCGOWAN3 Filed as: RICHARD A GOLDSTEIN | 12655 N. CENTRAL EXPY SUITE #317 DALLAS, TX 75243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 11.15% |
| TRUENORTH COMPANIES LC3 | 410 WEST 7TH STREET SUITE 2 FORT WORTH, TX 76102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.85% |
| OPES ONE ADVISORS LLC3 | 15303 N DALLAS PARKWAY #550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $294K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $106K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $106K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $106K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.