| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VENEFITS, LLC3 | 2600 W. GERONIMO PL #60 CHANDLER, AZ 85224 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | — | $67K | 4.62% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 2.19% |
| JAMES LOWE3 Filed as: JAMES RUSSELL LOWE | 3880 PARKWOOD BLVD STE 603 FRISCO, TX 75034 | UNITEDHEALTHCARE INSURANCE COMPANY | $26 | — | $26 | 0.00% |
| INSURANCE APPLICATIONS GROUP3 | — | PLANNED ADMINISTRATORS INC | $28K | — | $28K | 16.68% |
| VENEFITS, LLC3 Filed as: VENEFITS | 2425 COMMERCE AVE STE 300 DULUTH, GA 30096 | PLANNED ADMINISTRATORS INC | $3K | — | $3K | 1.79% |
| JAMES LOWE3 | 4640 PINE VALLEY DR. FRISCO, TX 75034 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.39% |
| VENIFITS LLC3 | 2425 COMMERCE AVE STE 300 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.13% |
| JAMES LOWE3 | 3880 PARKWOOD BLVD STE 603 FRISCO, TX 75034 | VISION SERVICE PLAN | $1K | — | $1K | 3.00% |
| VENEFITS, LLC3 Filed as: VENEFITS | 1000 N MILWAUKEE AVE GLENVIEW, IL 60025 | VISION SERVICE PLAN | $438 | — | $438 | 1.10% |
| STONEBRIAR FINANCIAL5 | 3880 PARKWOOD BLVD, SUITE 603 FRISCO, TX 75034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.96% |
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 | 884 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $1.6M |
| Dental(2 contracts, 2 carriers) | PLANNED ADMINISTRATORS INC | 773 | $307K |
| Vision(3 contracts, 3 carriers) | PLANNED ADMINISTRATORS INC | 166 | $222K |
| Life insurance(2 contracts, 2 carriers) | PLANNED ADMINISTRATORS INC | 773 | $307K |
| Short-term disability | PLANNED ADMINISTRATORS INC | 118 | $169K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 773 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.