| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT DAVID DAVIDSON | 4570 WESTGROVE DRIVE, SUITE 270 ADDISON, TX 75001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 11.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.95% |
| ROBERT D DAVIDSON3 Filed as: ROBERT D. DAVIDSON | 4570 WESTGROVE DRIVE, SUITE 270 ADDISON, TX 75001 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $7 | $8K | 7.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $329 | $329 | 0.33% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 176 | $100K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 176 | $100K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $150K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $150K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $150K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
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.