| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLDHAM C. WEEKS3 | 12706 CRANES MILL SAN ANTONIO, TX 78230 | METLIFE INSURANCE COMPANY | $40K | — | $40K | 20.00% |
| OLDHAM C. WEEKS3 | 12706 CRANES MILL SAN ANTONIO, TX 78230 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $5K | — | $5K | 10.00% |
| BAFFIN BAY MARKETING GROUP, LLC0 | P.O. BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1K | — | $1K | 3.00% |
| BENEFITS RESEARCH CORP. DBA CBS0 | P.O. BOX 1950 COPPELL, TX 750191903 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1K | — | $1K | 3.00% |
| ASPEN REINSURANCE GROUP, INC.0 Filed as: ASPEN REINSURANCE GROUP, INC | 6900 S. MCCARRAN BLVD STE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $495 | — | $495 | 1.00% |
| JOHN MIKE COLLINS3 | 1620 MAIN STREET, SUITE 5 SARASOTA, FL 342365824 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $431 | — | $431 | 23.47% |
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 | 2,849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 675 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 608 | $6.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 882 | $355K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,302 | $528K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,751 | $2.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 525 | $103K |
| Prescription drug(5 contracts, 5 carriers) | EXPRESS SCRIPTS, INC | 584 | $3.0M |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,849 | $912K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,849 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.