| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GULF COAST INSURANCE AGENCY3 Filed as: GULF COAST INSURANCE AGENCY INC | 2860 IH 10 EAST BEAUMONT, TX 77726 | BLUECROSS BLUESHIELD OF TEXAS | $102K | $12K | $114K | 0.90% |
| GULF COAST INSURANCE AGENCY3 | 2860 IH 10 EAST BEAUMONT, TX 77726 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 0.81% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $817 | $5K | 0.49% |
| KIM S MILLER3 | 2860 IH 10 EAST BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.18% |
| GULF COAST INSURANCE AGENCY3 | 2860 IH 10 EAST BEAUMONT, TX 77726 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | — | $69K | 14.66% |
| KIM S MILLER3 | 2860 IH 10 EAST BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.23% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $475 | — | $475 | 0.10% |
| GULF COAST INSURANCE AGENCY3 | 2860 IH 10 EAST BEAUMONT, TX 77726 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.46% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $990 | — | $990 | 0.26% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY SUITE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90 | — | $90 | 0.02% |
| KIM S MILLER3 | 2860 IH 10 EAST BEAUMONT, TX 77703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 0.01% |
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 | 485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $848K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 409 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 409 | $1.1M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 2,239 | $12.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 532 | $848K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,239 | — |
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.