| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: RISK SERVICES-LEAVITT INS AGENCY | 2190 NORTH LOOP WEST #309 HOUSTON, TX 77018 | NORTH AMERICAN CAPACITY INS. | $62K | — | $62K | 17.50% |
| COMBINED INDEPENDENT AGENCIES3 | 14785 PRESTON ROAD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INS. | $7K | $24K | $31K | 8.84% |
| ANCHOR CLAIMS MANAGEMENT3 | 14785 PRESTON ROAD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INS. | — | $10K | $10K | 2.83% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ANCHOR RISK MANAGEMENT | 14785 PRESTON ROAD SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INS. | — | $2K | $2K | 0.57% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LOUISIANA | 2190 NORTH LOOP WEST SUITE 309 HOUSTON, TX 77018 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 8.04% |
| RISK SERVICES OF LOUISIANA INC3 Filed as: RISK SERVICES OF LA INC | 2190 NORTH LOOP WEST SUITE 309 HOUSTON, TX 77018 | UNION SECURITY INSURANCE COMPANY | $22K | — | $22K | 16.44% |
| POMARO, MARK JAMES3 | P O BOX 864944 PLANO, TX 75086 | ACE AMERICAN INS CO (ACE II) | $2K | $360 | $2K | 23.47% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 351 | $268K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 351 | $268K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 181 | $133K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 181 | $133K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 181 | $133K |
| Other(3 contracts, 3 carriers) | NORTH AMERICAN CAPACITY INS. | 857 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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.