| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APEX ENGAGEMENT SOLUTIONS, LLC3 | 14439 NW MILITARY HIGHWAY SUITE 108- PMB, SUITE 626 SAN ANTONIO, TX 78231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $87K | — | $87K | 16.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY BUILDING B, SUITE 200 AUSTIN, TX 78746 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | — | $80K | 15.46% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $24 | — | $24 | 0.04% |
| APEX ENGAGEMENT SOLUTIONS, LLC4 Filed as: APEX ENGAGEMENT SOLUTIONS | 7330 SAN PEDRO AVENUE SUITE 200 SAN ANTONIO, TX 78216 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 9.11% |
| ALLIANT INSURANCE SERVICES, INC.4 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 7.90% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 385 | $57K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 500 | $516K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 500 | $516K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 500 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.