| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBS INSURANCE LLP3 | 3005 S TREADAWAY BLVD ABILENE, TX 79602 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $58K | $71K | 5.26% |
| CBS INSURANCE LLP3 | 3005 S TREADAWAY BLVD ABILENE, TX 796026729 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 97.33% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INS LLC | 1111 NORTH LOOP W, SUITE 400 HOUSTON, TX 770084712 | UNITED HEALTHCARE INSURANCE COMPANY | $79 | — | $79 | 1.35% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 194 | $1.4M |
| Dental(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 194 | $1.4M |
| Vision(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 194 | $1.4M |
| Prescription drug(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 194 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.