| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GULF COAST INSURANCE AGENCY3 | — | BLUECROSS BLUESHIELD OF TEXAS | $136K | $10K | $146K | 0.99% |
| KIM S MILLER3 | 2860 IH 10E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.78% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.66% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 15.00% |
| KIM S MILLER | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 13.29% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.76% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $329 | — | $329 | 0.77% |
| KIM S MILLER3 | 2860 IH 10E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $253 | — | $253 | 1.99% |
| KIM S MILLER3 | 2860 IH 10 E BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 1.18% |
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 | 532 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 546 | $123K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 639 | $776K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 639 | $776K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 2,677 | $14.7M |
| Other(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 546 | $493K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,677 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.