| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $5K | $30K | 22.85% |
| STEVEN B KEMPTON3 Filed as: STEVEN B. KEMPTON | 4912 DERBYSHIRE DRIVE MCKINNEY, TX 75070 | AFLAC | $11K | $0 | $11K | 15.21% |
| HENRY JOHN KRANTZ, III3 | 12801 NORTH CENTRAL EXPRESSWAY SUITE 1710 DALLAX, TX 75243 | AFLAC | $5K | $0 | $5K | 7.66% |
| BARBARA MCALLASTER3 | 9863 WAKE BRIDGE DRIVE FRISCO, TX 75035 | AFLAC | $3K | $0 | $3K | 4.90% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C. COVINGTON | 1750 WINDY HILL LANE PROSPER, TX 75078 | AFLAC | $2K | $0 | $2K | 2.26% |
| WILLIAM A GRAHAM COMPANY Filed as: WILLIAM C. COVINGTON | 550 SOUTH WATTERS ROAD, SUITE 103 ALLEN, TX 75013 | AFLAC | $1K | $0 | $1K | 1.46% |
| ZENAT SHARIFF BELKIN3 Filed as: ZENAT S. BELKIN AND OTHER AGENTS | 14204 WEST EVANS CIRCLE LAKEWOOD, CO 80228 | AFLAC | $42 | — | $42 | 0.06% |
| MARY HELEN WALKER3 | 1219 IRVINE DRIVE ALLEN, TX 75013 | AFLAC | $31 | $1 | $32 | 0.05% |
| RISK STRATEGIES COMPANY3 | 12801 NORTH CENTRAL EXPRESSWAY SUITE 1710 DALLAS, TX 75243 | EYEMED | $3K | $0 | $3K | 9.15% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REDBRICK HEALTH CORPORATION | 252 | $8K |
| Vision | EYEMED | 411 | $29K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $130K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $201K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $130K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.