| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC. | 2711 CENTERVILLE ROAD, SUITE 400 WILMINGTON, DE 19808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 11.23% |
| TINA M KIRKLAND3 | 13575 ROLLING HILLS BEAUMONT, TX 77713 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $9 | $19K | 12.70% |
| ROBERT P SAUNDERS3 | 595 ORLEANS STREET BEAUMONT, TX 77701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 8.51% |
| BETHANY DIANE JACOBS3 | 4111 ASHLAND DRIVE PORT ARTHUR, TX 77642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.16% |
| CEIRA NICOLE GRAY3 | 7201 LAKE ARTHUR DRIVE SUITE 190 PORT ARTHUR, TX 77642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $769 | $3K | 2.00% |
| ALISON FAYE MARTIN-WATT3 | 624 VICTOR DRIVE PORT NECHES, TX 77651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 1.77% |
| HEATHER ELIZABETH CHANCELLOR3 | 2915 PICADILLY CIRCUS STREET PEARLAND, TX 77581 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | 1.43% |
| MJ INSURANCE3 Filed as: DUDLEY HERERRA AND VARIOUS AGENTS | 10502 KINGSTON CREEK LANE CYPRESS, TX 77433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $30 | $2K | 1.06% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 2711 CENTERVILLE ROAD, SUITE 400 WILMINGTON, DE 19808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $174K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $174K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $367K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 121 | $153K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $215K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.