| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN R. MIRACLE3 | 840 GESSNER RD STE 600 HOUSTONE, TX 77024 | HIGHMARK HEALTH | $14K | — | $14K | 2.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.36% |
| SUPPLEMENTAL BENEFITS SERVICES INC3 Filed as: SUPPLEMENTAL BENEFIT SERVICES | PO BOX 927 MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC - HOUSTON | 840 GESSNER RD STE 600 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $631 | $631 | 1.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO, INC | ATTN OLGA BALDOS WESTBURY, NY 11590 | GEISINGER HEALTH PLAN | $1K | $6 | $1K | 3.62% |
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 | 1,302 | 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) | 1,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK HEALTH | 30 | $561K |
| Vision(3 contracts) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,091 | $111K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,632 | $294K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,632 | $247K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,632 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,632 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.