| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHERN STAR INSURANCE3 Filed as: NORTHERN STAR INSURANCE SERVICES | 2929 CARLISLE STREET, SUITE 155 DALLAS, TX 75204 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $65K | — | $65K | 12.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER & CO | 5420 LBJ FREEWAY SUITE 400 DALLAS, TX 75240 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $13K | — | $13K | 2.50% |
| NANCY JO HILL3 | PO BOX 1359 FRISCO, TX 75034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | — | $44K | 11.19% |
| NANCY JO HILL3 Filed as: NANCY J HILL | 2929 CARLISLE ST SUITE 155 DALLAS, TX 752041084 | HUMANA INSURANCE COMPANY | $30K | $1K | $31K | 10.31% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS DBA PREPARE BENEFITS | 618 E SOUTH ST STE 500 ORLANDO, FL 328012986 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 16.97% |
| NANCY HILL3 | 2929 CARLISLE ST STE 155 DALLAS, TX 752041084 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 6.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 5420 LBJ FWY STE 400 DALLAS, TX 752406487 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.12% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | $8K | $3K | $11K | 13.60% |
| NANCY JO HILL3 | 2929 CARLISLE ST SUITE 155 DALLAS, TX 752041084 | HUMANA INSURANCE COMPANY | $7K | $1K | $8K | 11.36% |
| BELINDA MORALES3 | 8820 WILL CLAYTON PKWY SUITE F HUMBLE, TX 77338 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 45.52% |
| WORLD CLASS FINL SVS LLC3 | 20403 I-45 NORTH SPRING, TX 77388 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 10.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GPA EIN 56-1785063 TPA | Claims processing Service code 12 | 12770 MERIT DRIVE DALLAS, TX 75251 | $155K |
| HILL INSURANCE SERVICES EIN 50-5809696 BROKER | Custodial (securities) Service code 19 | PO BOX 1359 FRISCO, TX 750340023 | $35K |
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 | 589 | 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) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 495 | $297K |
| Vision | HUMANA INSURANCE COMPANY | 376 | $73K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,586 | $397K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,586 | $543K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,586 | $397K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 590 | $523K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,586 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,586 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.