| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 2901 DALLAS PKWY, STE 420 PLANO, TX 75093 | UNITEDHEALTHCARE INSURANCE CO | $107K | — | $107K | 5.30% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | 5360 LEGACY DRIVE, STE 230 PLANO, TX 75024 | DELTA DENTAL INS CO | $77K | — | $77K | 4.58% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | 5360 LEGACY DRIVE, STE 230 PLANO, TX 75024 | LIFE INSURANCE CO OF NORTH AMERICA | $76K | — | $76K | 10.47% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | 5360 LEGACY DRIVE, STE 230 PLANO, TX 75024 | LIFE INSURANCE CO OF NORTH AMERICA | $28K | — | $28K | 10.00% |
| JAMES A VANDIVER3 Filed as: JAMES STEINKAMP | 5360 LEGACY DR., BLDG 4 STE 110 PLANO, TX 75024 | UNUM LIFE INSURANCE CO | $11K | — | $11K | 15.33% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | 5360 LEGACY DRIVE, STE 230 PLANO, TX 75024 | LIFE INSURANCE CO OF NORTH AMERICA | $2K | — | $2K | 10.00% |
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 | 2,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INS CO | 4,239 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE CO | 5,047 | $2.0M |
| Life insurance | LIFE INSURANCE CO OF NORTH AMERICA | 2,127 | $723K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 1,070 | $278K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE CO | 5,047 | $2.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO | 2,127 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,047 | — |
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.