| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GDP ADVISORS LLC4 Filed as: GDP ADVISORS, INC. | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | HCC LIFE INSURANCE COMPANY | $14K | $23K | $37K | 7.43% |
| SAGAMORE HEALTHCARE STRATEGIES0 | 5746 MARLIN ROAD OSBORNE OFFICE CENTER, SUITE 500 CHATTANOOGA, TN 37411 | HCC LIFE INSURANCE COMPANY | — | $57 | $57 | 0.01% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S. CENTRAL EXPRESSWAY MCKINNEY, TX 75070 | DELTA DENTAL OF OHIO | $4K | — | $4K | 9.16% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S. CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MUTUAL HEALTH SERVICES TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | P.O. BOX 5700 CLEVELAND, OH 44101 | $42K |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 113 | $501K |
| Dental | DELTA DENTAL OF OHIO | 195 | $48K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 97 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 86 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 64 | $12K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 113 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.