| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 29675 PHOENIX, AZ 85038 | RELIASTAR LIFE INSURANCE COMPANY | — | $21K | $21K | 5.00% |
| YOURPEOPLE, INC.3 | 303 2ND STREET NORTH TOWER SUITE 450 SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 7.01% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC. | 2711 CENTERVILLE ROAD, SUITE 400 WILMINGTON, DE 19808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.75% |
| PETER V KUHN3 | 1500 E HAMILTON AVE #118 CAMPBELL, CA 95008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.02% |
| TINA M KIRKLAND3 Filed as: TINA M KIRKLND | 13575 ROLLING HILLS BEAUMONT, TX 77713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $269 | $23K | 16.22% |
| ROBERT P SAUNDERS3 | 595 ORLEANS STREET BEAUMONT, TX 77701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $4K | $19K | 13.02% |
| BETHANY DIANE JACOBS3 | 4111 ASHLAND DRIVE PORT ARTHUR, TX 77642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $403 | $5K | 3.52% |
| CIERA NICOLE GRAY3 | 6246 JEFFERSON STREET GROVES, TX 77619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $695 | $4K | 3.00% |
| HEATHER ELIZABETH CHANCELLOR3 | 2915 PICCADILLY CIRCUS ST PEARLAND, TX 77581 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $135 | $3K | 2.37% |
| ALISON FAYE MARTIN-WATT3 | 624 VICTOR DRIVE PORT NECHES, TX 77651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $704 | $3K | 2.15% |
| DUDLEY HERRERA3 | 10502 KINGSTON CREEK LANE CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $216 | $2K | 1.68% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY BOURGEOIS-HOLMES | 6 OAK PLACE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.88% |
| KENNETH B BOYLES3 | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $26 | $371 | 0.26% |
| PAUL R. SIDELLO3 | 1722 RANDONS POINT DRIVE SUGAR LAND, TX 77478 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $106 | — | $106 | 10.55% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $187K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $187K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $187K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $187K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 257 | $420K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 348 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.