| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMCORP3 | 3519 PAESANOS PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 5.74% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE STREET, SUITE 2400 HOUSTON, TX 77056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 5.52% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 2255 RIDGE ROAD, SUITE 333 ROCKWALL, TX 75087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & NOYES, LLC | 14011 PARK DRIVE, SUITE 114 TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.02% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $110K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $110K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $199K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $199K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $199K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.