| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAY DEE COURTNEY3 | 112 W JOHN CARPENTER FWY, STE 450 IRVING, TX 75039 | NORTHWESTERN MUTUAL | $2K | $552 | $3K | 4.75% |
| RICHARD AUGUST ASEL3 | 8411 PRESTON RD, STE 700 DALLAS, TX 75225 | NORTHWESTERN MUTUAL | $2K | $552 | $3K | 4.75% |
| CRUSE FNCL GROUP INC3 Filed as: CRUSE FNCL GROUP, INC. | 2 LINCOLN CENTRE, STE 1300 5420 LYDNON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $709 | $62 | $771 | 1.24% |
| JARROD SCOTT WARREN3 | 122 W JOHN CARPENTER FWY, STE 450 IRVING, TN 75039 | NORTHWESTERN MUTUAL | $399 | $94 | $493 | 0.80% |
| HUGH J MCFADDEN3 | 8411 PRESTON RD, STE 700 DALLAS, TX 75225 | NORTHWESTERN MUTUAL | $399 | $94 | $493 | 0.80% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 114 | $62K |
| Long-term disability | NORTHWESTERN MUTUAL | 114 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.