| 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 | $33K | — | $33K | 4.47% |
| TOTAL BENEFIT SOLUTIONS3 | 2527 86TH ST LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 12.72% |
| EQUIFY RISK SERVICES3 | 12222 MERIT DRIVE SUITE 1400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.24% |
| DAVIS ALLEN AGENCY INC3 | 2527 86TH ST LUBBOCK, TX 79423 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.13% |
| EQUIFY RISK SERVICES3 | 12222 MERIT DRIVE SUITE 1400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 15.00% |
| SEE ATTACHED3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $7K | $58K | 50.20% |
| EQUIFY RISK SERVICES3 | 12222 MERIT DRIVE SUITE 1400 DALLAS, TX 75251 | STARMOUNT LIFE INSURANCE COMPANY | $10K | — | $10K | 12.00% |
| HODGES-MACE BENEFITS GRP INC3 | 5775-D GLENRIDGE DR NE STE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $11K | 54.41% |
| EQUIFY RISK SERVICES3 | 12222 MERIT DRIVE SUITE 1400 DALLAS, TX 75251 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $538 | — | $538 | 2.55% |
| MACE, PETER, J3 Filed as: MACE, PETER J | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 1.21% |
| TOMMY MORRIS AGENCY, LLC3 | PO BOX 365 ABILENE, TX 79604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.27% |
| MORRIS, DON THOMAS3 Filed as: MORRIS, DON, THOMAS | — | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.06% |
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 | 1,693 | 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) | 1,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 426 | $86K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,693 | $911K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,693 | $731K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,693 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,693 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.