| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOTCHKISS INSURANCE AGENCY LLC3 | 13430 NORTHWEST FWY STE 600 HOUSTON, TX 770406014 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| FOSTER BENEFIT RESOURCES INC3 | 14911 QUORUM DR DALLAS, TX 752547012 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.14% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY #2000 CARROLLTON, TX 75007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 30.01% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY #2000 CARROLLTON, TX 75007 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 34.83% |
| HOTCHKISS INSURANCE AGENCY LLC3 | 4120 INTERNATIONAL PKWY STE 2000 CARROLLTON, TX 75007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $524 | $524 | 4.61% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 109 | $53K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 109 | $53K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 109 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $11K |
| Other(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 109 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.