| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 90 DEGREE BENEFITS5 | 3307 82ND ST., STE 37 LUBBOCK, TX 79423 | IOA RE, INC. | $8K | $31K | $39K | 11.00% |
| EMPLOYERS HEALTH NETWORK (EHN)3 | 1431 GREENWAY DR., STE 520 IRVING, TX 75038 | IOA RE, INC. | — | $25K | $25K | 7.12% |
| CLIFFORD KAMMERDIEDNER JR4 | ASSOCIATED BENEFIT GROUP OF TX 1236 HILLTOP DRIVE CLEBURNE, TX 76033 | IOA RE, INC. | — | $14K | $14K | 4.07% |
| AIA BENEFIT ADVISORS, INC.4 Filed as: AIA BENEFIT ADVISORS INC | 13747 MONFORT DR. STE 260 DALLAS, TX 75240 | IOA RE, INC. | $11K | $481 | $11K | 3.16% |
| TELEDOC3 | 155 E. 44TH ST., STE 1700 NEW YORK, NY 10017 | IOA RE, INC. | — | $4K | $4K | 1.22% |
| 90 DEGREE BENEFITS5 | 3307 82ND STREET, STE. 37 LUBBOCK, TX 79423 | SUMMIT REINSURANCE | $8K | $23K | $31K | 15.94% |
| INSURERORS OF TEXAS GENERAL AGENCY3 | 225 SOUTH 5TH WACO, TX 76701 | SUMMIT REINSURANCE | $15K | — | $15K | 8.03% |
| EMPLOYERS HEALTH NETWORK (EHN)3 | 1431 GREENWAY DR., STE 520 IRVING, TX 75038 | SUMMIT REINSURANCE | $0 | $13K | $13K | 6.66% |
| TELEDOC3 | 155 E. 44TH ST., STE. 1700 NEW YORK, NY 10017 | SUMMIT REINSURANCE | $0 | $2K | $2K | 1.14% |
| KALLEN MATTHEW MCCOY3 | PO BOX 25322 DALLAS, TX 752251322 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 7.92% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS OF TEXAS GENERAL AGENCY LT | 225 S 5TH ST WACO, TX 767012112 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.25% |
| JOHN WILLIAM RITCHIE3 Filed as: JOHN W RITCHIE | 18522 E PERSIMMON LN OWASSO, OK 740558338 | PRINCIPAL LIFE INSURANCE COMPANY | — | $567 | $567 | 0.32% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | IOA RE, INC. | 209 | $548K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $175K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $175K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $175K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $175K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $175K |
| Prescription drug(2 contracts, 2 carriers) | IOA RE, INC. | 209 | $548K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | IOA RE, INC. | 209 | $548K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.