| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES LOWE3 Filed as: JAMES RUSSELL LOWE | 3880 PARKWOOD BLVD STE 603 FRISCO, TX 75034 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 4.27% |
| VENEFITS, LLC3 | 2600 W. GERONIMO PL #60 CHANDLER, AZ 85224 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.93% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.37% |
| JAMES LOWE3 | 4640 PINE VALLEY DR. FRISCO, TX 75034 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 9.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCATION INC. | 3800 N. CENTRAL AVE FL 9 PHOENIX, AZ 85012 | METROPOLITAN LIFE INSURANCE COMPANY | $934 | — | $934 | 0.49% |
| STONEBRIAR FINANCIAL5 | 3880 PARKWOOD BLVD, SUITE 603 FRISCO, TX 75034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.76% |
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 | 304 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $758K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $189K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 241 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $189K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.