| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CL SCOTT CORPORATE INSURANCE SVCS3 | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | $124K | $139K | 5.00% |
| CL SCOTT CORPORATE INSURANCE SVCS3 Filed as: SCOTT, CLINT L | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.80% |
| CL SCOTT CORPORATE INSURANCE SVCS3 | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $435 | $435 | 0.56% |
| CL SCOTT CORPORATE INSURANCE SVCS3 Filed as: SCOTT, CLINT L | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.88% |
| CL SCOTT CORPORATE INSURANCE SVCS3 | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 200 AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $111 | $111 | 0.52% |
| DOHERTY, JOSEPH M3 | 9100 UNITED DRIVE, SUITE 104 AUSTIN, TX 87858 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.13% |
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 | 240 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 593 | $2.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 593 | $2.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 593 | $2.8M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $99K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $78K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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.