| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES D FITTZ3 Filed as: JAMES FITTZ AGENCY | 412 MERCEDES STREET BENBROOK, TX 76126 | AMERICAN NATIONAL | $29K | $10K | $39K | 14.94% |
| COPELAND FINL SVCS INC Filed as: COPELAND FINL SERVICES INC | 4701 ALTAMESA BLVD FORT WORTH, TX 76133 | ALLSTATE | $4K | — | $4K | 7.65% |
| JAMES D FITTZ | 412 MERCEDES STREET SUITE F BENBROOK, TX 76126 | ALLSTATE | $4K | — | $4K | 7.42% |
| PAMELA KAY POOLE | 4701 ALTAMESA BLVD FORT WORTH, TX 76133 | ALLSTATE | $760 | — | $760 | 1.54% |
| JONATHAN COPELAND Filed as: JONATHAN M COPELAND | 4701 ALTAMESA BLVD SUITE 2-M FORT WORTH, TX 76133 | ALLSTATE | $192 | — | $192 | 0.39% |
| KEELER & ASSOCIATES Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $87 | — | $87 | 0.18% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL | 148 | $261K |
| Dental | AMERICAN NATIONAL | 148 | $261K |
| Prescription drug | AMERICAN NATIONAL | 148 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.