| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVIDENCE ADMINISTRATIVE SERVICES5 | P.O. BOX 700570 SAN ANTONIO, TX 782700570 | NAMAN, HOWELL, SMITH & LEE PLLC | $47K | — | $47K | 19.37% |
| BAILEY & ASSOCIATES FINANCIAL3 Filed as: BAILEY & ASSOCIATES | P.O. BOX 298 WACO, TX 767030298 | NAMAN, HOWELL, SMITH & LEE PLLC | $31K | $4K | $35K | 14.58% |
| CIGNA3 Filed as: SANDSTECH GROUP - CIGNA | 1385 KEMPER MEADOW DRIVE CINCINNATI, OH 45204 | NAMAN, HOWELL, SMITH & LEE PLLC | $22K | — | $22K | 9.11% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS OF TEXAS GENERAL AGY INC | P. O. BOX 2683 WACO, TX 76702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| BAILEY & ASSOCIATES FINANCIAL3 | P.O. BOX 298 WACO, TX 76703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 16.22% |
| BAILEY & ASSOCIATES FINANCIAL3 | P.O. BOX 298 WACO, TX 76703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.78% |
| INSURORS OF TEXAS3 | P.O. BOX 2683 WACO, TX 76702 | HARTFORD LIFE AND ACCIDENT | $989 | — | $989 | 15.01% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NAMAN, HOWELL, SMITH & LEE PLLC | 114 | $258K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $41K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $63K |
| Stop-loss / reinsurancereinsurance | NAMAN, HOWELL, SMITH & LEE PLLC | 110 | $240K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.