| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCANALLY WILKINS INC3 | PO BOX 60810 MIDLAND, TX 79711 | HEALTH CARE SERVICE CORPORATION | $288K | $7K | $295K | 4.07% |
| MCANALLY WILKINS INC3 | 11116 W COUNTY ROAD 127 ODESSA, TX 79765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $121K | $16K | $138K | 14.52% |
| JENNON CARUTH3 | 1331 HEATHER COURT CHANHASSEN, MN 55317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 5.55% |
| MCANALLY WILKINS INC3 | PO BOX 60810 MIDLAND, TX 79711 | VISION SERVICE PLAN | $8K | — | $8K | 9.98% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $316 | — | $316 | 0.42% |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,165 | $7.2M |
| Dental | HEALTH CARE SERVICE CORPORATION | 1,165 | $7.2M |
| Vision | VISION SERVICE PLAN | 477 | $75K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 535 | $947K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 535 | $947K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 535 | $947K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 535 | $947K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,165 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.