| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $370 | $4K | 11.04% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $324 | $2K | 17.46% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $167 | $2K | 16.81% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $125 | $1K | 16.68% |
| INSGROUP INC3 Filed as: INSGROUP, LLC DBA K&S INSURANCE | 2255 RIDGE RD SUITE 333 ROCKWALL, TX 75087 | EYEMED VISION CARE | $469 | $0 | $469 | 6.63% |
| WHITE HILL PLAZA INC3 Filed as: WHITE HILLS PLAZA DBA K & S INSURAN | 2255 RIDGE ROAD STE 333 ROCKWALL, TX 75087 | EYEMED VISION CARE | $120 | $0 | $120 | 1.70% |
| INSGROUP INC3 Filed as: INSGROUP, LLC DBA K&S INSURANCE | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TX 77056 | EYEMED VISION CARE | $119 | $0 | $119 | 1.68% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $481 | $79 | $560 | 17.48% |
| WHITE HILL PLAZA INC3 | 2255 RIDGE RD STE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $359 | $44 | $403 | 16.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERKLEY LIFE AND HEALTH BERKLEY | Contract Administrator Service code 13 | 2445 KUSER ROAD SUITE 201 HAMILTON SQUARE, NJ 08690 | $227K |
| K&S INSURANCE AGENCY BROKER | Contract Administrator Service code 13 | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 75087 | $34K |
| BEVCAP MANAGEMENT, LLC BEVCAP | Contract Administrator Service code 13 | 120 W VIRGINIA ST STE 200 MCKINNEY, TX 75069 | $24K |
| BEVCAP HEALTH CAPTIVE - NC BEVCAP | Contract Administrator Service code 13 | 120 W. VIRGINIA ST STE 200 MCKINNEY, TX 75069 | $22K |
| BOON CHAPMAN LTD EIN 74-2305238 BOON CHAPMAN | Contract Administrator Service code 13 | — | $17K |
| AETNA - PPO EIN 23-2229683 AETNA | Contract Administrator Service code 13 | — | $14K |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $36K |
| Vision | EYEMED VISION CARE | 99 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $16K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $9K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.