| 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 | $565K | $0 | $565K | 8.00% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $302K | $21K | $323K | 15.17% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $245K | $17K | $262K | 15.06% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TN 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $212K | $15K | $227K | 16.04% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $342K | $12K | $354K | 51.84% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $4K | $68K | 16.05% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $2K | $29K | 14.25% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $690 | $9K | 16.25% |
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 | 15,814 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15,620 | $7.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 15,620 | $7.1M |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,934 | $4.5M |
| Short-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,934 | $3.8M |
| Long-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,934 | $3.8M |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,934 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,620 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.