| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARKADAMSON, LLC3 Filed as: CLARKADAMSON LLC | 3913 ANDREW AVE DENTON, TX 762103234 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $850 | $17K | 5.28% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITEDHEALTHCARE INSURANCE COMPANY | -$226 | — | -$226 | -0.07% |
| CLARKADAMSON, LLC3 | 3603 FM 51 GAINSVILLE, TX 76240 | TRANSAMERICA LIFE INSURANCE COMPANY | $746 | — | $746 | 24.32% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $104 | — | $104 | 3.39% |
| BRYAN D ROBERTS3 | 5115 RACQUET CLUB DR ARLINGTON, TX 760173764 | TRANSAMERICA LIFE INSURANCE COMPANY | $78 | — | $78 | 2.54% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES P ZANDER | 4655 N CENTRAL EXPRESSWAY 2ND FLOOR DALLAS, TX 75205 | TRANSAMERICA LIFE INSURANCE COMPANY | $48 | — | $48 | 1.56% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | — | $37 | 1.21% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $35 | — | $35 | 1.14% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $8 | — | $8 | 0.26% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $317K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $317K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $317K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $317K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 190 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.