| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELION BENEFIT PARTNERS, LLC3 | 800 WILCREST DRIVE SUITE 150 HOUSTON, TX 770421341 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $3K | $36K | 4.40% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542962 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 0.76% |
| KILPATRICK COMPANIES LLC3 Filed as: KILPATRICK COMPANIES, LTD | 1050 WILCREST DRIVE HOUSTON, TX 770421608 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.15% |
| RELION BENEFIT PARTNERS, LLC3 | 800 WILCREST DRIVE SUITE 150 HOUSTON, TX 77055 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 11.45% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542962 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 3.54% |
| RELION BENEFIT PARTNERS, LLC3 | 800 WILCREST DRIVE SUITE 150 HOUSTON, TX 77055 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 11.86% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542962 | HARTFORD LIFE AND ACCIDENT | $795 | — | $795 | 3.58% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 18050 SATURN LANE SUITE 200 HOUSTON, TX 77058 | HARTFORD LIFE AND ACCIDENT | $2 | — | $2 | 0.01% |
| RELION BENEFIT PARTNERS, LLC3 | 800 WILCREST DRIVE SUITE 150 HOUSTON, TX 77055 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 14.88% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542962 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 5.12% |
| RELION BENEFIT PARTNERS, LLC3 | 800 WILCREST DRIVE SUITE 150 HOUSTON, TX 77055 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 14.93% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542962 | HARTFORD LIFE AND ACCIDENT | $791 | — | $791 | 5.08% |
| RELION BENEFIT PARTNERS, LLC3 | 800 WILCREST DRIVE SUITE 150 HOUSTON, TX 77055 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.43% |
| IMA, INC.3 | 14221 DALLAS PARKWAY SUITE 700 DALLAS, TX 752542962 | HARTFORD LIFE AND ACCIDENT | $530 | — | $530 | 4.57% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $817K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $817K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $817K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 130 | $22K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 42 | $12K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 109 | $38K |
| Other(3 contracts) | HARTFORD LIFE AND ACCIDENT | 108 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.