| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY #2000 CARROLLTON, TX 75007 | HEALTH CARE SERVICE CORPORATION | $56K | — | $56K | 6.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | HEALTH CARE SERVICE CORPORATION | $1K | — | $1K | 0.12% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY #2000 CARROLLTON, TX 75007 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $2K | $12K | 18.95% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY #2000 CARROLLTON, TX 75007 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY #2000 CARROLLTON, TX 75007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 70.03% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY #2000 CARROLLTON, TX 75007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 49.44% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY #2000 CARROLLTON, TX 75007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $790 | — | $790 | 14.84% |
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 | 101 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 214 | $916K |
| Dental | HEALTH CARE SERVICE CORPORATION | 214 | $916K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 197 | $15K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 101 | $61K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 101 | $61K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 101 | $61K |
| Other(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 101 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.