| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETHANY LOVING3 | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 10.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $11K | $16K | 10.62% |
| ASSUREDPARTNERS3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $626 | $4K | 11.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $779 | $3K | 21.56% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | ZURICH AMERICAN INSURANCE COMPANY | $239 | $0 | $239 | 15.03% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $239 | $239 | 15.03% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 166 | $200K |
| Vision | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 166 | $200K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $151K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $151K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $151K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.