| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 1401 H STREET NW, SUITE 750 WASHINGTON, DC 20005 | NORTH AMERICAN CAPACITY INC. | $12K | $0 | $12K | 12.50% |
| COMBINED INDEPENDENT AGENCIES3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INC. | $8K | $4K | $12K | 12.23% |
| ANCHOR CLAIMS MANAGEMENT3 | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INC. | $0 | $4K | $4K | 3.51% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ANCHOR RISK MANAGEMENT | 14785 PRESTON ROAD, SUITE 350 DALLAS, TX 75254 | NORTH AMERICAN CAPACITY INC. | $0 | $3K | $3K | 2.51% |
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 | 1,871 | 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) | 1,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTH AMERICAN CAPACITY INC. | 1,871 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,871 | — |
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.