| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | HEALTH OPTIONS, INC. | $35K | $0 | $35K | 7.00% |
| ROBERT D DAVIDSON3 Filed as: ROBERT D. DAVIDSON | 14675 MIDWAY ROAD, SUITE 221 ADDISON, TX 75001 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 11.29% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF TEXAS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | HUMANA INSURANCE COMPANY | $454 | $0 | $454 | 2.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $0 | $117 | $117 | 0.56% |
| ROBERT D DAVIDSON3 Filed as: ROBERT D. DAVIDSON | 4570 WESTGROVE DRIVE, SUITE 270 ADDISON, TX 75001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.68% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MINNESOTA, INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25 | $0 | $25 | 0.31% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF GEORGIA, INC. | PO BOX 749140 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3 | $3 | 0.04% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH OPTIONS, INC. | 96 | $498K |
| Dental | HUMANA INSURANCE COMPANY | 99 | $21K |
| Vision | HUMANA INSURANCE COMPANY | 99 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $8K |
| Prescription drug | HEALTH OPTIONS, INC. | 96 | $498K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.