| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 12222 MERIT DRIVE SUITE 1230 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 6.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 10.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD SUITE 2500 HOUSTON, TX 77056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16TH FLOOR DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.22% |
| IFSTX LTD3 | 5521 LOUETTA RD SUITE A SPRING, TX 77379 | SUN LIFE ASSURANCE COMPANY OF CANADA | $241 | — | $241 | 0.48% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $216K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $216K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $216K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $50K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $50K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.