| 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 | $809K | $0 | $809K | 8.00% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $457K | $47K | $504K | 16.56% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $354K | $35K | $390K | 17.27% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TN 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $320K | $33K | $354K | 16.56% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $531K | $23K | $554K | 48.42% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80K | $9K | $88K | 16.63% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70K | $7K | $77K | 17.36% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 16.56% |
| G&A BEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $395 | $2K | 9.55% |
| G&A BEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $149 | $1K | 8.71% |
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 | 21,961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 229 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,551 | $10.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,551 | $10.1M |
| Life insurance(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,349 | $6.3M |
| Short-term disability(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,349 | $5.8M |
| Long-term disability(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,349 | $5.8M |
| Other(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,349 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,551 | — |
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.