| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NANCY HILL3 | 2929 CARLISLE ST. DALLAS, TX 75251 | RELIASTAR LIFE INSURANCE COMPANY | $48K | — | $48K | 10.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | RELIASTAR LIFE INSURANCE COMPANY | $24K | $12K | $36K | 7.57% |
| NANCY JO HILL3 | PO BOX 1359 FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | — | $33K | 11.32% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCESERVICES | 10524 MOSS PARK RD STE 204 ORLANDO, FL 32832 | TLIC | $23K | — | $23K | 22.37% |
| NANCY JO HILL3 Filed as: NANCY J HILL | PO BOX 1359 FRISCO, TX 75034 | TLIC | $10K | — | $10K | 9.38% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | AIG | $9K | — | $9K | 10.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCESERVICES | 10524 MOSS PARK RD STE 204 ORLANDO, FL 32832 | TLIC | $18K | — | $18K | 22.30% |
| NANCY JO HILL3 Filed as: NANCY J HILL | PO BOX 1359 FRISCO, TX 75034 | TLIC | $8K | — | $8K | 9.43% |
| NANCY JO HILL3 | PO BOX 1359 FRISCO, TX 750340023 | VISION SERVICE PLAN | $7K | $986 | $8K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GPA EIN 56-1785063 TPA | Claims processing Service code 12 | 12770 MERIT DRIVE DALLAS, TX 75251 | $175K |
| HILL INSURANCE SERVICES EIN 50-5809696 BROKER | Custodial (securities) Service code 19 | PO BOX 1359 FRISCO, TX 750340023 | $36K |
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 | 605 | 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) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 361 | $79K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,402 | $288K |
| Short-term disability | TLIC | 318 | $81K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,402 | $288K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 668 | $481K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,402 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,402 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.