| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES M. MORRISON INSURANCE SERVICE Filed as: JAMES M MORRISON | 2710 GATEWAY RD CARLSBAD, CA 92009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 8.43% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $283 | $1K | 0.98% |
| JAMES M. MORRISON INSURANCE SERVICE Filed as: JAMES M MORRISON | 2710 GATEWAY RD CARLSBAD, CA 92009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.92% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 852541825 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $192 | $48 | $240 | 1.16% |
| JAMES M. MORRISON INSURANCE SERVICE Filed as: JAMES M MORRISON | 2710 GATEWAY RD CARLSBAD, CA 92009 | EYEMED VISON CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE CO | $1K | — | $1K | 10.91% |
| JAMES M. MORRISON INSURANCE SERVICE Filed as: JAMES M MORRISON | 2710 GATEWAY RD CARLSBAD, CA 92009 | UNUM INSURANCE COMPANY | $148 | $0 | $148 | 3.31% |
| JAMES M. MORRISON INSURANCE SERVICE Filed as: JAMES MORRISON | 2710 GATEWAY RD CARLSBAD, CA 92009 | UNUM INSURANCE COMPANY | $104 | $0 | $104 | 4.85% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EVOLUTION HEALTHCARE INSURANCE | 0 | $0 |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 306 | $122K |
| Vision | EYEMED VISON CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE CO | 268 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $165K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $145K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $145K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.