| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ETHOS RISK ADVISORS LLC3 | 4547 LAKE SHORE DRIVE WACO, TX 76710 | GUARDIAN | $3K | — | $3K | 1.39% |
| THE NITSCHE GROUP INC3 | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | GUARDIAN | $2K | — | $2K | 1.12% |
| THE NITSCHE GROUP INC3 | 143 E. AUSTIN ST. GIDDINGS, TX 78942 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| THE NITSCHE GROUP INC3 Filed as: NITSCHE & FERGUSON INS AGCY INC | 143 E AUSTIN STREET GIDDINGS, TX 789423201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $100 | $3K | 5.19% |
| GPA3 | 12770 MERIT DRIVE, SUITE 200 DALLAS, TX 75251 | AIG | $5K | — | $5K | 10.00% |
| ROBERT K NITSCHE3 | 143 E. AUSTIN ST. GIDDINGS, TX 78942 | STANDARD INSURANCE COMPANY | $600 | — | $600 | 5.00% |
| ROBERT K NITSCHE3 Filed as: ROBERT NITSCHE | 143 E AUSTIN ST. GIDDINGS, TX 78942 | STANDARD INSURANCE COMPANY | $501 | — | $501 | 14.99% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 442 | $197K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 440 | $54K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 419 | $94K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 403 | $360K |
| Other | AIG | 403 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.