| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, LLC | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF OKLAHOMA | $92K | — | $92K | 3.09% |
| FULMER SHUMARD INC.3 Filed as: FULMER SHUMAD INC | 2120 S. WALDRON RD. SUITE 4A FORT SMITH, AR 72903 | BLUECROSS BLUESHIELD OF OKLAHOMA | $57K | — | $57K | 1.91% |
| K&S INSURANCE3 | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 75087 | DELTA DENTAL | $10K | — | $10K | 6.07% |
| FULMER SHUMARD INC.3 | 2120 S. WALDRON RD. STE 4A FORT SMITH, AR 72903 | DELTA DENTAL | $6K | — | $6K | 3.93% |
| FULMER SHUMARD INC.3 | 2120 S. WALDRON RD. STE 4A FORT SMITH, AR 72903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.33% |
| INSGROUP INC3 Filed as: INSGROUP, LLC | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 75087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $947 | — | $947 | 0.99% |
| INSGROUP INC3 Filed as: INSGROUP, LLC | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 72903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.78% |
| FULMER SHUMARD INC.3 | 2120 S. WALDRON RD. STE 4A FORT SMITH, AR 72903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.10% |
| INSGROUP INC3 Filed as: INSGROUP, LLC | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 75087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.14% |
| FULMER SHUMARD INC.3 | 2120 S. WALDRON RD. STE 4A FORT SMITH, AR 72903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.85% |
| FULMER SHUMARD INC.3 | 2120 S. WALDRON RD. STE 4A FORT SMITH, AR 72903 | VISION SERVICE PLAN | $1K | — | $1K | 3.85% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE ST. STE 2400 HOUSTON, TX 77056 | VISION SERVICE PLAN | $1K | — | $1K | 3.19% |
| INSGROUP INC3 Filed as: INSGROUP, LLC | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 75087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.05% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 403 | $3.0M |
| Dental | DELTA DENTAL | 381 | $159K |
| Vision | VISION SERVICE PLAN | 369 | $37K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 989 | $163K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $57K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 989 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.