| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC & H LIFE AGENCY INC. | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANC COMPANY | $33K | $0 | $33K | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $6K | $22K | 20.69% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 15303 N DALLAS PARKWAY #550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $173 | $0 | $173 | 0.16% |
| KATHRYN ANDERSON3 | 5825 PLANK ROAD #113 FREDERICKSBURG, VA 22407 | AFLAC | $530 | $27 | $557 | 5.25% |
| JOSEPH GHANEM3 | 43347 LA BELLE PL ASHBURN, VA 20147 | AFLAC | $298 | $41 | $339 | 3.20% |
| MICHAEL KOSS3 | 1404 BELLE VIEW BLVD ALEXANDRIA, VA 22307 | AFLAC | $229 | $0 | $229 | 2.16% |
| ROBERT A ANDERSON3 Filed as: ROBERT ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $181 | $14 | $195 | 1.84% |
| DANIEL J LONG3 Filed as: DANIEL LONG | 1344 ASHTON RD #200 HANOVER, MD 21076 | AFLAC | $78 | $14 | $92 | 0.87% |
| PAUL J GOREY II3 Filed as: PAUL GOREY II | 2566 RUNNING WOLF TRAIL ODENTON, MD 21113 | AFLAC | $72 | $0 | $72 | 0.68% |
| DANIEL E ALTMIRE3 Filed as: DANIEL ALTIMIRE | 12800 MIDDLEBROOK RD #490 GERMANTOWN, MD 20874 | AFLAC | $63 | $0 | $63 | 0.59% |
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 | 851 | 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) | 851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANC COMPANY | 51 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 853 | $1.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 853 | $1.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $107K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $107K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $107K |
| Prescription drug | BLUECROSS BLUESHIELD OF ALABAMA | 30 | $215K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.