| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 15.78% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 15.87% |
| JERRY MCPETERS3 | 6736 GATERIDGE DALLAS, TX 75254 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| GROUP & PENSION ADMINISTRATORS INC3 Filed as: GROUP & PENSION ADMINISTRATORS | 12770 MERIT DR 2ND FL PARK CENTRAL 8 DALLAS, TX 75251 | HCC LIFE INSURANCE COMPANY | — | $2K | $2K | 3.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | EYEMED VISION CARE | $3K | — | $3K | 9.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $423 | $4K | 16.69% |
| AARON CICHY3 | PO BOX 270112 DALLAS, TX 75227 | AMERICAN HERITAGE LIFE INSURANCE | $379 | — | $379 | 3.47% |
| CARL J. SCHICK3 | 857 SUGAR HILL DRIVE BALLWIN, MO 63021 | AMERICAN HERITAGE LIFE INSURANCE | $124 | — | $124 | 1.13% |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 431 | $33K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 347 | $127K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE | 9 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $22K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 347 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.