| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G&A BENEFICIAL LLC3 Filed as: G & A BENEFICIAL LLC | 4801 WOODWAY DRIVE SUITE 210W HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $108K | $0 | $108K | 4.50% |
| JOHN W. ALLEN3 | 18503 CHERRYTREE GROVE DR. HOUSTON, TX 77084 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84K | $0 | $84K | 3.50% |
| G&A BENEFICIAL LLC3 | 4801 WOODWAY SUITE 210W HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $106K | $0 | $106K | 13.32% |
| SHEPARD & WALTON LIFE INSURANCE3 | P. O. BOX 1830 HARLINGEN, TX 78551 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $672 | $14K | 1.76% |
| G&A BENEFICIAL LLC3 | 4801 WOODWAY SUITE 210W HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | $0 | $71K | 12.92% |
| SHEPARD & WALTON LIFE INSURANCE3 | P. O. BOX 1830 HARLINGEN, TX 78551 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $572 | $12K | 2.18% |
| G&A BENEFICIAL LLC3 | 4801 WOODWAY SUITE 210W HOUSTON, TN 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $0 | $64K | 13.46% |
| SHEPARD & WALTON LIFE INSURANCE3 | P. O. BOX 1830 HARLINGEN, TX 78551 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $363 | $8K | 1.61% |
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 | 8,307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,730 | $2.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,730 | $2.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,092 | $1.3M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,092 | $1.3M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,092 | $1.3M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,092 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,092 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.