| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INS SVCS WEST INC. | 2555 EAST CAMELBACK ROAD SUITE 700 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $0 | $50K | 4.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND INS. SVCS. | 199 FREMONT STREET, 15TH FLOOR SAN FRANCISCO, CA 94105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 4.27% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.68% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | PO BOX 905494 CHARLOTTE, NC 28290 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.58% |
| JADE CHAVEZ3 | 110 NORTH INTERSTATE 35, SUITE 315 ROUND ROCK, TX 78681 | AFLAC | $2K | $204 | $2K | 8.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B100 AUSTIN, TX 78746 | AFLAC | $1K | $0 | $1K | 4.57% |
| STEPHANIE DENISE GARLAND3 Filed as: STEPHANIE GARLAND | 110 NORTH INTERSTATE 35, SUITE 315 ROUND ROCK, TX 78681 | AFLAC | $987 | $0 | $987 | 3.89% |
| ADRIANE N NEWMAN3 Filed as: ADRIANE NEWMAN | 2302 CLOVER RIDGE NEW BRAUNFELS, TX 78130 | AFLAC | $578 | $18 | $596 | 2.35% |
| JEROME JEFFREY PESEK3 Filed as: JEROME PESEK | 12566 MESA VERDE DRIVE AUSTIN, TX 78737 | AFLAC | $546 | $41 | $587 | 2.31% |
| MJ INSURANCE3 Filed as: JENNIFER THOM AND VARIOUS AGENTS | 11710 BIG TRAIL AUSTIN, TX 78759 | AFLAC | $482 | $24 | $506 | 1.99% |
| JAY MICHAEL ANDERSON3 Filed as: JAY ANDERSON | 536 TRAVETINE TRAIL BUDA, TX 78610 | AFLAC | $152 | $0 | $152 | 0.60% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 421 | $279K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 421 | $279K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 421 | $279K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 421 | $279K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 421 | $279K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $1.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 421 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.