| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODARD INSURANCE LLP3 | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 761078062 | AETNA LIFE INSURANCE CO. | $36K | — | $36K | 9.95% |
| WOODARD INSURANCE LLP3 | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 761078062 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| WOODARD INSURANCE LLP3 | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 761078062 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| WOODARD INSURANCE LLP3 | 1300 S UNIVERSITY DR, STE 600 FORT WORTH, TX 76107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| WOODARD INSURANCE LLP3 | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 761078062 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.04% |
| WOODARD INSURANCE LLP3 | 1300 S UNIVERSITY DR STE 600 FORT WORTH, TX 761078062 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 14.87% |
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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 915 | $5.6M |
| Dental | AETNA LIFE INSURANCE CO. | 949 | $361K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $51K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 745 | $145K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 293 | $93K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $61K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 745 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.