| 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 | $1.4M | $145K | $1.5M | 9.39% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $875K | $110K | $985K | 16.94% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $587K | $74K | $661K | 16.89% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TN 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $559K | $71K | $630K | 16.89% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $775K | $59K | $834K | 46.32% |
| G&A BEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 6.75% |
| G&A BENEFICIAL LLC3 | 17220 KATY FREEWAY SUITE 350 HOUSTON, TX 77094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 16.88% |
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 | 35,647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 303 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,950 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 26,102 | $16.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 26,102 | $16.2M |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26,312 | $10.1M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26,312 | $9.8M |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26,312 | $9.8M |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 26,312 | $11.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,312 | — |
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.