| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC | 500 N CENTRAL EXPY SUITE 550 PLANO, TX 75074 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $8K | $34K | 6.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 N CENTRAL EXPY SUITE 550 PLANO, TX 75074 | STARMOUNT LIFE INSURANCE COMPANY | $28K | — | $28K | 10.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 N CENTRAL EXPY SUITE 550 PLANO, TX 75074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS, LLC | 500 N CENTRAL EXPY SUITE 550 PLANO, TX 75074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 16.46% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 404 | $764K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 404 | $764K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $292K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $160K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $160K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 404 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.