| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXT LEVEL INSURANCE AGENCY, LLC3 | 5080 SPECTRUM DR STE 1200E ADDISON, TX 750014625 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $46K | $46K | 2.38% |
| PHILIP A GRAFMILLER3 | 438 FIELDWOOD DR RICHARDSON, TX 750815532 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 1.60% |
| DANIEL JOSEPH OCONNELL3 | 5080 SPECTRUM DR STE 1200E ADDISON, TX 75001 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $260 | $4K | 7.61% |
| PHILIP A GRAFMILLER3 Filed as: PHILIP ALAN GRAFMILLER, LUTCF | 438 FIELDWOOD DR RICHARDSON, TX 750815532 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 7600 N CAPITAL OF TEXAS HWY AUSTIN, TX 787311245 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.12% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $1.9M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 606 | $57K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 606 | $57K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 606 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.