| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE L. DOUCET3 | 4 AMBER GLEN BOERNE, TX 78006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 10.00% |
| MICHELLE LEDOUX DOUCET3 | 303 HERBSAINT DRIVE YOUNGSVILLE, LA 70592 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 17.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 2407 MOBILE, AL 36652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83 | — | $83 | 0.03% |
| MICHELLE L. DOUCET3 | 4 AMBER GLEN BOERNE, TX 78006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 2407 MOBILE, AL 36652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.83% |
| MICHELLE LEDOUX DOUCET3 | 303 HERBSAINT DRIVE YOUNGSVILLE, LA 70592 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.52% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 2407 MOBILE, AL 36652 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.52% |
| LYNNE MULCAHY4 | 4802 SCHILLER PARK LN SUGAR LAND, TX 77479 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 12.83% |
| KATELYNN P. MULCAHY4 Filed as: KATELYNN AARON | 286 TEXOMA DR HICKORY CREEK, TX 75065 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $366 | — | $366 | 3.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSOR | Plan Administrator; Claims processing Service code 12 | — | $733K |
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 | 1,156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,146 | $656K |
| Vision | VISION SERVICE PLAN | 1,062 | $99K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,505 | $542K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 717 | $496K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 715 | $266K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,505 | $990K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,146 | — |
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.