| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 783811478 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 3.56% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 7.66% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | STARMOUNT LIFE INSURANCE COMPANY | $15K | $3K | $18K | 12.19% |
| FIDELITY BENEFITS AND INSURANCE3 Filed as: FIDELITY ENROLLMENT SERVICES | 1259 TEXAS LOOP 337 STE 102 NEW BRAUNFELS, TX 78130 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $12K | $12K | 7.63% |
| 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% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 17.15% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 1815 318 W ADAMS STREET CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM INSURANCE COMPANY | $5K | $392 | $5K | 9.12% |
| SNYDER, THOMAS J3 | STE 102 1259 TEXAS LOOP 337 NEW BRAUNFELS, TX 78130 | UNUM INSURANCE COMPANY | $5K | — | $5K | 8.42% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 1815 318 W ADAMS STREET CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, IN 78381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $640 | $8K | 15.75% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 1815 318 W ADAMS STREET CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM INSURANCE COMPANY | $2K | $290 | $3K | 7.78% |
| SNYDER, THOMAS J3 | STE 102 1259 TEXAS LOOP 337 NEW BRAUNFELS, TX 78130 | UNUM INSURANCE COMPANY | $2K | — | $2K | 6.91% |
| SNYDER, THOMAS J3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | UNUM INSURANCE COMPANY | $2K | — | $2K | 6.11% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 1815 318 W ADAMS STREET CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $398 | $3K | 10.17% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 1815 318 W ADAMS STREET CHICAGO, IL 60606 | 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 | $3K | $253 | $3K | 14.55% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 1815 318 W ADAMS STREET CHICAGO, IL 60606 | 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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 229 | $151K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 229 | $151K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $84K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $125K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $125K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 348 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.