| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY, SUITE 800 ADDISON, TX 75001 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 6.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.62% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PARKWAY CLEVELAND, OH 44143 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.35% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | — | $49 | $49 | 0.02% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 15305 DALLAS PARKWAY, SUITE 800 DALLAS, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 14.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 4.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.62% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY, SUITE 800 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4041 ESSEN LANE, SUITE 400 BATON ROUGE, LA 70809 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $400 | $6K | 6.54% |
| MOUZON BASS3 | 4430 BORDEAUX AVENUE DALLAS, TX 75205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.07% |
| EBENCONCEPTS COMPANY3 | 12801 NORTH CENTRAL EXPRESSWAY SUITE 1725 DALLAS, TX 75243 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $495 | — | $495 | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $280 | $36 | $316 | 0.34% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONE ADVISORS, LLC | UNKNOWN FRISCO, TX 75034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $235 | $0 | $235 | 0.25% |
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 | 528 | 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) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 548 | $339K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 548 | $245K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 528 | $279K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 528 | $186K |
| Long-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 548 | $525K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 528 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
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.