| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES D FITTZ3 Filed as: JAMES FITTZ AGENCY | 412 MERCEDES STREET STE A BENBROOK, TX 76126 | PACE UNDERWRITERS LLC | $8K | $2K | $10K | 4.83% |
| AIA BENEFIT ADVISORS, INC. | 13747 MONFORT DRIVE SUITE 260 DALLAS, TX 75240 | PACE UNDERWRITERS LLC | $8K | $2K | $10K | 4.44% |
| KALLEN MCCOY3 | 13747 MONTFORT DR STE 110 DALLAS, TX 75240 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.14% |
| JAMES D FITTZ3 Filed as: JAMES D. FITTZ | 412 MERCEDES ST. SUITE F BENBROOK, TX 76126 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.02% |
| JAMES D FITTZ | 412 MERCEDES STREET SUITE F BENBROOK, TX 76126 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $744 | — | $744 | 4.71% |
| COPELAND FINL SVCS INC | 4701 ALTAMESA BLVD STE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $488 | — | $488 | 3.09% |
| PAMELA KAY POOLE Filed as: PAMELA K POOLE | 4701 ALTAMESA BLVD SUITE 2M FORT WORTH, TX 76133 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 0.83% |
| KEELER & ASSOCIATES Filed as: KEELER AND ASSOCIATES | 211 SOUTH 23RD ST PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.09% |
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) | PACE UNDERWRITERS LLC | 104 | $216K |
| Dental(2 contracts, 2 carriers) | PACE UNDERWRITERS LLC | 202 | $259K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $43K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $91K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $59K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $43K |
| Prescription drug | PACE UNDERWRITERS LLC | 104 | $216K |
| Stop-loss / reinsurancereinsurance | PACE UNDERWRITERS LLC | 104 | $216K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 202 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.