| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL D LANDRUM3 | PO BOX 23684 WACO, TX 76702 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $17K | $18K | 2.16% |
| MICHAEL D LANDRUM3 | PO BOX 23684 WACO, TX 76702 | AMERITAS LIFE INSURANCE CORPORATION | $7K | — | $7K | 10.00% |
| MICHAEL D LANDRUM3 | PO BOX 23684 WACO, TX 76702 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.00% |
| TIMOTHY DAVIS3 | 718 SOUTH 17TH TEMPLE, TX 76504 | STANDARD LIFE & ACCIDENT | $5K | — | $5K | 57.13% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | STANDARD LIFE & ACCIDENT | $2K | — | $2K | 23.82% |
| MIKEL COOK3 | 4100 W. ELDORADO PKWAY SUITE 100-112 MCKINNEY, TX 75070 | STANDARD LIFE & ACCIDENT | $2K | — | $2K | 19.06% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 258 | $832K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 134 | $74K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 258 | $824K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 140 | $47K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 140 | $47K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 258 | $832K |
| Other | HARTFORD LIFE AND ACCIDENT | 140 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.