| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 14.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 14.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $763 | $6K | 15.62% |
| KATHY SUE ENOCHS3 | 12770 MERIT DRIVE, SUITE 200 PARK CENTRAL 8 DALLAS, TX 75251 | TOKIO MARINE HCC - A&H GROUP | $3K | — | $3K | 10.00% |
| IMAGINE3603 Filed as: IMAGINE360 ADMINISTRATORS LLC | P.O. BOX 749075 DALLAS, TX 753749075 | TOKIO MARINE HCC - A&H GROUP | — | $1K | $1K | 3.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | EYEMED VISION CARE | $3K | — | $3K | 10.93% |
| AARON CICHY3 | 520 DIX RD SUITE B2 JEFFERSON CITY, MO 65109 | AMERICAN HERITAGE LIFE INSURANCE | $100 | — | $100 | 2.36% |
| CARL J. SCHICK3 Filed as: CARL J SCHICK | 857 SUGAR HILL DRIVE BALLWIN, MO 63021 | AMERICAN HERITAGE LIFE INSURANCE | $44 | — | $44 | 1.04% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 366 | $23K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $160K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56 | $46K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.