| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 5TH FLOOR DALLAS, TX 75231 | GUARDIAN LIFE INSURANCE COMPANY | $30K | $14K | $43K | 15.95% |
| PAUL M WALSH3 Filed as: PAUL BLANCO | 6 CORP DR., STE. 550 SHELTON, CT 06484 | MASSMUTUAL LIFE INSURANCE CO. | $1K | $5K | $6K | 8.54% |
| KENNETH CHARLES ANNA3 | 76 NEW YORK AVE, STE. 2 HUNTINGTON, NY 11743 | MASSMUTUAL LIFE INSURANCE CO. | $4K | $0 | $4K | 6.09% |
| MJ INSURANCE3 Filed as: JAMES HAROLD DEAN | 76 NEW YORK AVE., STE 2 HUNTINGTON, NY 11743 | MASSMUTUAL LIFE INSURANCE CO. | $3K | $0 | $3K | 4.81% |
| DANIEL STEINBERG3 | 76 NEW YORK AVE HUNTINGTON, NY 11743 | MASSMUTUAL LIFE INSURANCE CO. | $2K | $0 | $2K | 3.44% |
| TIMOTHY C. FLANAGAN3 Filed as: TIMOTHY C FLANAGAN | 4350 CONGRESS ST., STE. 300 CHARLOTTE, NC 28209 | MASSMUTUAL LIFE INSURANCE CO. | $960 | $0 | $960 | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $110 | $2K | 6.92% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $304 | $2K | 6.08% |
| INGLE BENEFITS LLC3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $404 | $277 | $681 | 2.44% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $133 | $374 | 1.34% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $25 | $178 | 0.64% |
| REBECCA G DEJESUS3 | 3732 HILLSDALE DR FLOWER MOUND, TX 75022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.35% |
| MANUEL FUENTES3 | 63 MARIPOSA PKWY WEST BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $11 | $29 | 0.10% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.09% |
| MARY BETH HARRIS3 | 6002 BLUE BAY DRIVE DALLAS, TX 75248 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.04% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 126 | $271K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 126 | $271K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 126 | $271K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 126 | $271K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 126 | $340K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 126 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.