| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M SKINNER | — | AETNA LIFE INSURANCE COMPANY | $54K | — | $54K | 3.31% |
| GLOBAL DIRECTION CONSULTANTS, LLC3 | — | AETNA LIFE INSURANCE COMPANY | $23K | — | $23K | 1.42% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M SKINNER | — | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 3.68% |
| GLOBAL DIRECTION CONSULTANTS, LLC3 | — | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 1.58% |
| JIM MICHAEL SKINNER3 | 2546 WALLABY CIRCLE NEW BRAUNFELS, TX 78132 | PRINCIPAL LIFE INSURANCE COMPANY | $39K | — | $39K | 14.94% |
| JMS BENEFIT SOLUTIONS3 | 190 SOUTH SEGUIN AVENUE SUITE 205 NEW BRAUNFELS, TX 78130 | HEALTHIEST YOU | $3K | — | $3K | 15.00% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 332 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $258K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $258K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $258K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $258K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $258K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.