| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.45% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $583 | $583 | 0.82% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.45% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $530 | $530 | 0.82% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $674 | $674 | 5.00% |
| LEWIS WATKINS FARMER AGENCY INC3 Filed as: LEWIS WATKINS AND FARMER | PO BOX 9369 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $101 | $101 | 0.75% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 186 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 105 | $71K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 105 | $71K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $65K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.