| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUESANNE G GIBSON3 | 1101 SEDAN RD WEIMAR, TX 78962 | HEALTH CARE SERVICE CORPORATION | $77K | $2K | $79K | 5.03% |
| SUESANNE G GIBSON3 | 1101 SEDAN RD WEIMAR, TX 78962 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | — | $37K | 12.86% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5300 HOLLISTER STE 130 HOUSTON, TX 770440004 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.18% |
| SUESANNE G GIBSON3 | 1101 SEDAN RD WEIMAR, TX 78962 | UNUM LIFE INSUANCE COMPANY OF AMERICA | $4K | — | $4K | 16.19% |
| PLAN SOURCE BENEFIT ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSUANCE COMPANY OF AMERICA | $238 | — | $238 | 1.09% |
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 | 237 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 184 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $285K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $285K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $307K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $285K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 184 | $1.6M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.