| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 0.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | AETNA LIFE INSURANCE CO. | $20K | — | $20K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE FLOOR 16 DALLAS, TX 75231 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $4K | $36K | 11.15% |
| TOTAL BENEFIT SOLUTIONS3 | 7412 UNIVERSITY AVENUE SUITE 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 44.24% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167 | — | $167 | 4.62% |
| DAVIS ALLEN AGENCY INC3 | 7412 UNIVERSITY AVENUE UNIT 1 LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $128 | $128 | 3.54% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 1.99% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 846 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,243 | $323K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,243 | $323K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,243 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.