| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLDHAM C. WEEKS3 | 12706 CRANES MILL SAN ANTONIO, TX 78230 | METLIFE INSURANCE COMPANY | $41K | — | $41K | 20.00% |
| JOHN MIKE COLLINS3 | 1620 MAIN STREET, SUITE 5 SARASOTA, FL 342365824 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $390 | — | $390 | 24.81% |
| OLDHAM C. WEEKS3 | 12706 CRANES MILL SAN ANTONIO, TX 78230 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $3 | — | $3 | 8.82% |
| BAFFIN BAY MARKETING GROUP, LLC0 | P.O. BOX 161690 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1 | — | $1 | 2.94% |
| BENEFITS RESEARCH CORP. DBA CBS0 | P.O. BOX 1950 COPPELL, TX 750191903 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1 | — | $1 | 2.94% |
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 | 2,985 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 692 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 594 | $6.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 896 | $379K |
| Vision | VISION SERVICE PLAN | 2,118 | $617K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,854 | $1.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 646 | $131K |
| Prescription drug(4 contracts, 4 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 545 | $3.2M |
| Other(7 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,985 | $934K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,985 | — |
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.