| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL PADON3 | DBA THE PADON COMPANY 550 POST OAK BLVD. SUITE 300 HOUSTON, TX 77027 | PRUDENTIAL INSURANCE COMPANY | $31K | — | $31K | 10.00% |
| LONGMONT GROUP INC.3 Filed as: LONGMONT GROUP, INC. | DBA THE PADON GROUP 550 POST OAK BLVD. SUITE 300 HOUSTON, TX 77027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $3K | $37K | 12.87% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| DANIEL J PRESCOTT3 | 12222 MERIT DR. SUITE 1230 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $459 | $8K | 13.74% |
| THE PLUS GROUP TEXAS3 | 2400 DALLAS PARKWAY SUITE 260 PLANO, TX 75093 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.62% |
| DI ADVISORS3 | 1600 AIRPORT FRWY SUITE 501 BEDFORD, TX 76022 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
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 | 1,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,071 | $348K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 81 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,071 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.