| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | BLUECROSS BLUESHIELD OF TEXAS | $76K | — | $76K | 3.58% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $903 | $19K | 15.78% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| SNYDER, THOMAS J3 | 1259 TEXAS LOOP 337 STE 102 NEW BRAUNFELS, TX 78130 | UNUM INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM INSURANCE COMPANY | $4K | $514 | $4K | 8.56% |
| SNYDER, THOMAS J3 | STE 102 1259 TEXAS LOOP 337 NEW BRAUNFELS, TX 78130 | UNUM INSURANCE COMPANY | $4K | — | $4K | 7.55% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $354 | $7K | 15.32% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $561 | $3K | 12.00% |
| FIDELITY BENEFITS AND INSURANCE3 Filed as: FIDELITY ENROLLMENT SERVICES | 1259 TEXAS LOOP 337 STE 102 NEW BRAUNFELS, TX 78130 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $1K | $3K | 9.00% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SNYDER, THOMAS J3 | 1259 TEXAS LOOP 337 STE 102 NEW BRAUNFELS, TX 78130 | UNUM INSURANCE COMPANY | $4K | — | $4K | 14.99% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM INSURANCE COMPANY | $2K | $252 | $2K | 8.57% |
| SNYDER, THOMAS J3 | STE 102 1259 TEXAS LOOP 337 NEW BRAUNFELS, TX 78130 | UNUM INSURANCE COMPANY | $2K | — | $2K | 7.54% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $155 | $2K | 10.28% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $90 | $2K | 13.96% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 250 280 E. 96TH STREET INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 444 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 444 | $2.1M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 186 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $69K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $132K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $132K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.