| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS BASTIAN AND CARTWRIGHT LP3 | 2351 S FM 51 STE 500 DECATUR, TX 76234 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $130K | $130K | 2.72% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 Filed as: STEPHENS, BASTIAN AND CARTWRIGHT LP | 2351 S FM 51 STE 300 DECATUR, TX 762343712 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $15K | $33K | 8.39% |
| STEPHENS BASTIAN AND CARTWRIGHT LP3 Filed as: STEPHENS, BASTIAN, & CARTWRIGHT | 2351 S FM 51 STE 500 DECATUR, TX 76234 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 12.35% |
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 | 1,081 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 797 | $4.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 709 | $390K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,207 | $343K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,207 | $343K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,207 | $343K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 1,207 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.