| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | — | $35K | 16.47% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 8.25% |
| CORPORATE BENEFIT SOLUTIONS3 | 702 SOUTH DENTON TAP ROAD SUITE 100 COPPELL, TX 75019 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161630 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 6.00% |
| IPS ADVISORS3 | 10000 NORTH CENTRAL EXPRESS WAY SUITE 1100 DALLAS, TX 75231 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| CORPORATE BENEFIT SOLUTIONS3 | 702 SOUTH DENTON TAP ROAD SUITE 100 COPPELL, TX 75019 | HUMANA INSURANCE COMPANY | $274 | — | $274 | 8.01% |
| IPS ADVISORS3 | 10000 NORTH CENTRAL EXPRESS WAY SUITE 1100 DALLAS, TX 75231 | HUMANA INSURANCE COMPANY | $171 | — | $171 | 5.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161630 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $171 | — | $171 | 5.00% |
| ASPEN REINSURANCE GROUP, INC.3 Filed as: ASPEN REINSURANCE GROUP, INC | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | HUMANA INSURANCE COMPANY | $34 | — | $34 | 0.99% |
| CORPORATE BENEFIT SOLUTIONS3 | 702 SOUTH DENTON TAP ROAD SUITE 100 COPPELL, TX 75019 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $288 | — | $288 | 9.01% |
| IPS ADVISORS3 | 10000 NORTH CENTRAL EXPRESS WAY SUITE 1100 DALLAS, TX 75231 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $128 | — | $128 | 4.01% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161630 AUSTIN, TX 78716 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $96 | — | $96 | 3.00% |
| ASPEN REINSURANCE GROUP, INC.3 | 6900 SOUTH MCCARRAN BOULEVARD SUITE 1010 RENO, NV 89509 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $32 | — | $32 | 1.00% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 557 | $80K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 560 | $215K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 560 | $215K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 560 | $215K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 560 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.