| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EQUIFY RISK SERVICES3 | 12222 MERIT DRIVE SUITE 1400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 3.42% |
| EQUIFY RISK SERVICES3 | 12222 MERIT DRIVE SUITE 1400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 14.74% |
| EQUIFY RISK SERVICES3 Filed as: EQUIFY RISK SERVICES LLC | 777 MAIN ST STE 3900 FORTH WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.89% |
| TOMMY MORRIS AGENCY, LLC3 | PO BOX 365 ABILENE, TX 79604 | UNITEDHEALTHCARE INSURANCE COMPANY | $37 | — | $37 | 0.06% |
| SEE ATTACHED3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $25K | 44.37% |
| TOMMY MORRIS AGENCY, LLC3 | PO BOX 365 ABILENE, TX 79604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 6.65% |
| MACE, PETER, J3 Filed as: MACE, PETER J | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.65% |
| MORRIS, DON THOMAS3 | PO BOX 365 ABILENE, TX 79604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.59% |
| HODGES-MACE BENEFITS GRP INC3 | 5775-D GLENRIDGE DR NE STE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.42% |
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 | 967 | 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) | 967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 511 | $65K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 967 | $512K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 967 | $413K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 967 | $570K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.