| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARKADAMSON, LLC3 Filed as: CLARKADAMSON LLC | 3913 ANDREW AVE DENTON, TX 762103234 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $503 | $12K | 3.95% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 303385449 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.72% |
| CLARKADAMSON, LLC3 | 3913 ANDREW AVE DENTON, TX 762103234 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $3K | $5K | 15.77% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $736 | $2K | 5.85% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN SNELLINGS INSURANCE AGENCY | 1117 PERIMETER CTR STE W101 ATLANTA, GA 303385449 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.95% |
| CLARKADAMSON, LLC3 | 3603 FM 51 GAINSVILLE, TX 76240 | TRANSAMERICA LIFE INSURANCE COMPANY | $248 | — | $248 | 10.16% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES P ZANDER | 4655 N CENTRAL EXPRESSWAY 2ND FLOOR DALLAS, TX 75205 | TRANSAMERICA LIFE INSURANCE COMPANY | $56 | — | $56 | 2.29% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $32 | — | $32 | 1.31% |
| BRYAN D ROBERTS3 | 5115 RACQUET CLUB DR ARLINGTON, TX 760173764 | TRANSAMERICA LIFE INSURANCE COMPANY | $22 | — | $22 | 0.90% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | — | $16 | 0.66% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN SNELLINGS INSURANCE AGENCY | 1117 PERIMETER CTR W SUITE W 101 ATLANTA, GA 30338 | TRANSAMERICA LIFE INSURANCE COMPANY | $14 | — | $14 | 0.57% |
| TRUENORTH COMPANIES LC3 | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | TRANSAMERICA LIFE INSURANCE COMPANY | $12 | — | $12 | 0.49% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | — | $9 | 0.37% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 57 | $299K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $333K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $333K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $333K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.