| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 242 SISTERDALE ROAD METLIFE AIMCOR GROUP, LLC 52S000 BOERNE, TX 780065918 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $65 | $6K | 5.15% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542942 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.03% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC THREEFLOW | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.37% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 7.06% |
| IMA, INC.3 Filed as: IMA FINANCIAL | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.96% |
| IMA, INC.3 Filed as: IMA FINANCIAL | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.54% |
| IMA, INC.3 Filed as: IMA FINANCIAL | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.35% |
| IMA, INC.3 Filed as: IMA FINANCIAL | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 75254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $648 | — | $648 | 2.70% |
| IMA, INC.3 Filed as: IMA, INC. DBA IMA WALDMAN | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | — | $321 | 3.53% |
| STUART DUNKLE3 | 405 COUNTY ROAD 3236 QUITMAN, TX 75783 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | — | $230 | 2.53% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.70% |
| MPART BENEFITS INC3 Filed as: MPART BENEFITS, INC. | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.35% |
| INGLE BENEFITS LLC3 Filed as: INGLE BENEFITS, LLC | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.21% |
| ROBERT SCOTT PIERCE3 | 609 ROUEN DRIVE MCKINNEY, TX 75072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| IMA, INC.3 | P.O. BOX 5510 FRISCO, CO 80443 | LIFESECURE INSURANCE COMPANY | $369 | — | $369 | 7.72% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $99 | — | $99 | 2.07% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $8 | — | $8 | 0.17% |
| IMA, INC.3 | P.O. BOX 5510 FRISCO, CO 80443 | LIFESECURE INSURANCE COMPANY | $38 | — | $38 | 6.74% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BOULEVARD SAN ANTONIO, TX 78232 | LIFESECURE INSURANCE COMPANY | $2 | — | $2 | 0.35% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $124K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $124K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13 | $123K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $66K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $72K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.