| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 2175 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | AMERICAN UNITED LIFE INSURANCE COMPANY | $81K | $55K | $136K | 24.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERICAN UNITED LIFE INSURANCE COMPANY | $33K | $0 | $33K | 6.00% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 2175 NORTH GLENVILLE DRIVE RICHARDSON, VA 75082 | RELIASTAR LIFE INSURANCE COMPANY | $30K | $0 | $30K | 14.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.00% |
| MASS GROUUP MARKETING3 | 1819 FIRMAN DRIVE, SUITE 75081 RICHARDSON, TX 75081 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.00% |
| ROYAL ALLIANCE ASSOCIATION, INC.3 | 200 LIBERTY STREET NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.02% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 2175 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.32% |
| B&B INSURANCE NETWORK SERVICES3 Filed as: B AND B INSURANCE NETWORK SERVICES | 2121 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | 5STAR LIFE INSURANCE COMPANY | $485 | $0 | $485 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | 221 WEST 6TH STREET, SUITE 1980 AUSTIN, TX 78701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 1.27% |
| TRICERION GROUP, LLC3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.90% |
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 | 1,033 | 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) | 1,033 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,017 | $12K |
| Dental | STANDARD INSURANCE COMPANY | 818 | $487K |
| Vision | STANDARD INSURANCE COMPANY | 818 | $487K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,033 | $827K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,033 | $553K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,033 | $553K |
| Prescription drug | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,017 | $12K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,033 | $766K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.