| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DEAN GIST3 | 5508 PLAZA DRIVE TEXARKANA, TX 75505 | BLUE CROSS BLUE SHIELD OF TEXAS | $42K | — | $42K | 4.04% |
| FRISEN-STRAIN INS ASSOC INC3 | 5028 CHAMPIONS DRIVE LUFKIN, TX 75901 | BLUE CROSS BLUE SHIELD OF TEXAS | $17K | — | $17K | 1.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $9K | — | $9K | 0.88% |
| EAST TEXAS BORDER HEALTH CLINIC0 Filed as: EAST TX BORDER HEALTH CLINIC | 1500 WEST GRAND AVENUE MARSHALL, TX 75670 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $1K | $1K | 0.12% |
| MICHAEL DEAN GIST3 | 5508 PLAZA DRIVE TEXARKANA, TX 75503 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 13.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.80% |
| PERRY HALL3 Filed as: PERRY B HALL | 4106 BROOKHOLLOW CIRCLE TEXARKANA, TX 75503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $513 | $7K | 9.97% |
| MICHAEL DEAN GIST3 Filed as: MICHAEL GIST | 5508 PLAZA DRIVE TEXARKANA, TX 75505 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $230 | $3K | 4.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $288 | $2K | 3.67% |
| PERRY HALL3 Filed as: PERRY B HALL | 4106 BROOKHOLLOW CIRCLE TEXARKANA, TX 75503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $308 | $2K | 5.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $589 | $225 | $814 | 1.98% |
| MICHAEL DEAN GIST3 Filed as: MICHAEL GIST | 5508 PLAZA DRIVE TEXARKANA, TX 75505 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $485 | $109 | $594 | 1.45% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 252 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $100K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 65 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $41K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 66 | $67K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 252 | $1.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 238 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.