| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MUND GROUP LTD3 Filed as: THE MUND GROUP | 256 W MILL STREET NEW BRAUNFELS, TX 78130 | HIGG | $41K | — | $41K | 15.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 3.56% |
| TEXAS AUTO DEALERS ASSOCIATION3 | 108 LAVACA STREET, STE 800 AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $4K | $4K | 3.19% |
| JEFF A MUND3 Filed as: JEFF ALEXANDER MUND | 256 W MILL STREET NEW BRAUNFELS, TX 78130 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NATIONAL FINANCIAL PARTNERS | 1250 CAPITAL OF TEXAS HWY., BLDG.2 STE. 600 AUSTIN, TX 78746 | UNION SECURITY INSURANCE COMPANY | — | $527 | $527 | 1.12% |
| THE MUND GROUP LTD3 | 256 W MILL ST NEW BRAUNFELS, TX 78130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 18.41% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $3K | $920 | $3K | 13.60% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 132 | $129K |
| Dental | UNION SECURITY INSURANCE COMPANY | 86 | $47K |
| Vision | UNION SECURITY INSURANCE COMPANY | 86 | $47K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $28K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 237 | $157K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 132 | $129K |
| Stop-loss / reinsurancereinsurance | HIGG | 190 | $275K |
| Other(3 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 237 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.