| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 783811478 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $77K | $77K | 2.64% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | STARMOUNT LIFE INSURANCE COMPANY | $20K | $4K | $24K | 11.23% |
| FIDELITY BENEFITS & INSURANCE3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $721 | $4K | 1.97% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 10.99% |
| FIDELITY BENEFITS & INSURANCE3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $406 | $3K | 3.28% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| THOMAS SNYDER3 | 10539 DEDEKE DR NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 17.69% |
| FIDELITY BENEFITS & INSURANCE SERVI3 | 1259 LOOP 337 NEW BRAUNFELS, TX 78130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $715 | $8K | 14.67% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $629 | $8K | 14.50% |
| XENIA YVETTE ASGAR-ALANIZ3 | 11 SUMMER VIEW CT CONROE, TX 77303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.41% |
| SNYDER, THOMAS J3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | UNUM INSURANCE COMPANY | $7K | — | $7K | 18.36% |
| FIDELITY BENEFITS & INSURANCE3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM INSURANCE COMPANY | $3K | $426 | $3K | 8.07% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM INSURANCE COMPANY | $3K | $408 | $3K | 8.03% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SNYDER, THOMAS J3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | UNUM INSURANCE COMPANY | $5K | — | $5K | 18.58% |
| FIDELITY BENEFITS & INSURANCE3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM INSURANCE COMPANY | $2K | $336 | $2K | 8.19% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM INSURANCE COMPANY | $2K | $324 | $2K | 8.15% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $315 | $2K | 10.91% |
| FIDELITY BENEFITS & INSURANCE3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $490 | $94 | $584 | 3.26% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| SNYDER, THOMAS J3 | 10539 DEDEKE DRIVE NEW BRAUNFELS, TX 78132 | UNUM INSURANCE COMPANY | $2K | — | $2K | 18.53% |
| FIDELITY BENEFITS & INSURANCE3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | UNUM INSURANCE COMPANY | $810 | $138 | $948 | 8.14% |
| GLASS SORENSON & MCDAVID INC3 | PO BOX 1478 ROCKPORT, TX 78381 | UNUM INSURANCE COMPANY | $810 | $134 | $944 | 8.11% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 318 W ADAMS ST STE 1815 CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $3.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 330 | $213K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 330 | $213K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $132K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 91 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 49 | $18K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.