| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 2175 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | AMERICAN UNITED LIFE INSURANCE COMPANY | $77K | $55K | $131K | 24.00% |
| 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, LLC | 2175 NORTH GLENVILLE DRIVE RICHARDSON, TX 75082 | RELIASTAR LIFE INSURANCE COMPANY | $31K | $0 | $31K | 14.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.00% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING | 1819 FIRMAN DRIVE, SUITE 131 RICHARDSON, TX 75081 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.63% |
| 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 | 879 | 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) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 804 | $479K |
| Vision | STANDARD INSURANCE COMPANY | 804 | $479K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,022 | $547K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,022 | $547K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,022 | $547K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,022 | $766K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,022 | — |
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.