| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DR, STE 230 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $114K | $139K | 6.54% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | 14388 PROTON DRIVE DALLAS, TX 75244 | DELTA DENTAL INSURANCE COMPANY | $74K | $0 | $74K | 4.17% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | 14388 PROTON DRIVE DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91K | $0 | $91K | 10.48% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | 14388 PROTON DRIVE DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $0 | $31K | 10.00% |
| JAMES A VANDIVER3 Filed as: JAMES STEINKAMP | 5360 LEGACY DR., BLDG 4 STE 110 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY | $12K | $0 | $12K | 16.04% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | 14388 PROTON DRIVE DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $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 | 2,091 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,223 | $2.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,960 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,223 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,091 | $869K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 990 | $305K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 5,223 | $2.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 2,091 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,223 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.