| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 0.75% |
| THE DEATON AGENCY, LLC3 | 8304 OLD MCGREGOR RD. STE B WACO, TX 78712 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.19% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.22% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.25% |
| TIMOTHY L. KENNEDY3 | P.O. BOX 608 GEORGETOWN, TX 78627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 272 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 272 | $1.4M |
| Vision | AETNA LIFE INSURANCE COMPANY | 272 | $1.4M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $40K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $38K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.