| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AIA BENEFIT ADVISORS, INC.4 Filed as: AIA BENEFIT ADVISORS INC | 13747 MONFORT DRIVE STE 260 DALLAS, TX 75240 | PACE UNDERWRITERS LLC | $26K | $5K | $31K | 16.30% |
| 90 DEBREE BENEFITS5 | 3307 82ND ST., STE 37 LUBBOCK, TX 79423 | IOA RE, INC | $4K | $16K | $20K | 11.79% |
| AIA BENEFIT ADVISORS, INC.4 Filed as: AIA BENEFIT ADVISORS INC | 13747 MONFORT DRIVE STE 260 DALLAS, TX 75240 | IOA RE, INC | $13K | $2K | $16K | 9.03% |
| EMPLOYERS HEALTH NETWORK (EHN)3 | 1431 GREENWAY DRIVE, STE 520 IRVING, TX 75038 | IOA RE, INC | $0 | $12K | $12K | 7.08% |
| CLIFFORD KAMMERDIEDNER JR4 | ASSOCIATED BENEFIT GROUP OF TX 1236 HILLTOP DRIVE CLEBURNE, TX 76033 | IOA RE, INC | $0 | $7K | $7K | 4.05% |
| TELEDOC3 | 155 E 44TH ST STE 1700 NEW YORK, NY 10017 | IOA RE, INC | $0 | $2K | $2K | 1.21% |
| KALLEN MATHEW MCCOY3 | PO BOX 25322 DALLAS, TX 75225 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 13.43% |
| JOHN WILLIAM RITCHIE3 Filed as: JOHN W RITCHIE | 18522 E PERSIMMON LN OWASSO, OK 74055 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.90% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PACE UNDERWRITERS LLC | 218 | $363K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $150K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $150K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $150K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $150K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $150K |
| Prescription drug(2 contracts, 2 carriers) | PACE UNDERWRITERS LLC | 218 | $363K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PACE UNDERWRITERS LLC | 218 | $363K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.