| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MUND GROUP LTD3 | 256 W MILL ST NEW BRAUNFELS, TX 78130 | NATIONAL LIFE INSURANCE | $27K | — | $27K | 15.00% |
| ASSURANCE AGENCY LTD Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 3.90% |
| TEXAS AUTO DEALERS ASSOCIATION3 | 108 LAVACA STREET, STE 800 AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $4K | $4K | 3.16% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 5.58% |
| TEXAS AUTO DEALERS ASSOCIATION3 | 108 LAVACA STREET, STE 800 AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $3K | $3K | 3.37% |
| THE MUND GROUP LTD3 Filed as: THE MUND GROUP | 256 W MILL STREET NEW BRAUNFELS, TX 78130 | STARMOUNT LIFE INSURANCE COMPANY | $9K | — | $9K | 15.87% |
| GIS BENEFITS INC4 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| THE MUND GROUP LTD3 Filed as: THE MUND GROUP | 256 W MILL STREET NEW BRAUNFELS, TX 78130 | TOKIO MARINE HCC | $1K | $434 | $2K | 13.33% |
| THE MUND GROUP LTD3 Filed as: THE MUND GROUP | 256 W MILL STREET NEW BRAUNFELS, TX 78130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 25.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $447 | $358 | $805 | 11.30% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $447 | $447 | 6.27% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 82 | $201K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 119 | $55K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 119 | $55K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $7K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 312 | $208K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 82 | $201K |
| Stop-loss / reinsurancereinsurance | NATIONAL LIFE INSURANCE | 113 | $178K |
| Other(4 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 312 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.