| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES D FITTZ3 Filed as: JAMES FITTZ AGENCY | 412 MERCEDES STREET SUITE A BENBROOK, TX 76126 | AMERICAN NATIONAL | $20K | $7K | $27K | 15.07% |
| JAMES D FITTZ | 412 MERCEDES ST STE H BENBROOK, TX 76126 | LINCOLN NATIONAL LIFE INSURANCE | $5K | — | $5K | 10.00% |
| COPELAND FINL SVCS INC Filed as: COPELAND FINL SERVICES | 4701 ALTAMESA BLVD FORT WORTH, TX 76133 | ALLSTATE | $2K | — | $2K | 5.65% |
| JAMES D FITTZ | 412 MERCEDES STREET SUITE F BENBROOK, TX 76126 | ALLSTATE | $2K | — | $2K | 5.26% |
| PAMELA KAY POOLE | 4701 ALTAMESA VLBD SUITE 2-M FORT WORTH, TX 76133 | ALLSTATE | $326 | — | $326 | 0.82% |
| JONATHAN COPELAND | 4701 ALTAMESA BLVD STITE 2-M FORT WORTH, TX 76133 | ALLSTATE | $143 | — | $143 | 0.36% |
| KEELER & ASSOCIATES Filed as: KEELER AND ASSOCIATES | 2209 1ST AVE PLATTSMOUTH, NE 68048 | ALLSTATE | $40 | — | $40 | 0.10% |
| JAMES D FITTZ Filed as: JAMES FITTZ | 412 MERCEDES ST STE H BENBROOK, TX 76126 | LINCOLN NATIONAL LIFE INSURANCE | $642 | — | $642 | 9.99% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL | 109 | $180K |
| Dental | AMERICAN NATIONAL | 109 | $180K |
| Prescription drug | AMERICAN NATIONAL | 109 | $180K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL | 109 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.