| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY I | 1111 NORTH LOOP WEST SUITE 400 HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $647 | $21K | 8.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 222 BLOOMINGDALE ROAD SUITE 402 WHITE, NY 10605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.97% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY LLC | P.O. BOX HOUSTON, TX 77292 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 7.30% |
| FRED SCHUBERT INSURANCE AGENCY3 Filed as: FRED SCHUBERT INS AGCY INC | 3100 AUDLEY HOUSTON, TX 77098 | HARTFORD LIFE AND ACCIDENT | $834 | — | $834 | 2.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER RD 8900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.06% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGENCY | 1111 NORTH LOOP W SUITE 400 HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.96% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS AGCY | 1111 N LOOP WEST #400 HOUSTON, TX 77008 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $101K | — | $101K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT SVCS | 9E RIVER PARK PLACE EAST 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $32K | — | $32K | — |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 276 | $0 |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 276 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $235K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $266K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $235K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $235K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.