| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY & APPEL, INC.3 Filed as: GREGORY S. DENSON | 2150 S. CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $971 | — | $971 | 15.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY S. DENSON | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $334 | — | $334 | 5.51% |
| DENNIS M COPLAND3 Filed as: DENNIS M. COPLAND | 10300 N. CENTRAL EXPRESSWAY DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $324 | — | $324 | 5.35% |
| NANCY E ODOM3 Filed as: NANCY E. ODOM | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 1.29% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS, INC. | 4080 MCGINNIS FERRY ROAD SUITE 101 ALPHARETTA, GA 30005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.50% |
| MARCO JOE KLIMEK3 Filed as: MARCO J. KLIMEK | 1501 LBJ FREEWAY SUITE 660 FARMERS BRANCH, TX 75234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.20% |
| CRAIG S DAVIES3 Filed as: CRAIG S. DAVIES | 109 TIMBER CREEK CT. ARGYLE, TX 76226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $166K |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $6K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 132 | $211K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
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.