| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RFA, INC.3 | PO BOX 130187 TYLER, TX 75713 | NATIONAL GUARDIAN LIFE INSURANCE CO. ALWAYS CARE BENEFITS, INC. | $27K | — | $27K | 0.15% |
| HEALTHFIRST TPA, INC5 Filed as: HEALTHFIRST TPA, INC. | 821 ESE LOOP 323 TYLER, TX 75701 | UNIMERICA INSURANCE CO. OPTUM | — | $73K | $73K | 9.38% |
| AIG BENEFIT SOLUTIONS3 | 7330 WOODLAND DRIVE STE 250 INDIANAPOLIS, IN 46278 | UNIMERICA INSURANCE CO. OPTUM | — | $54K | $54K | 6.96% |
| ACCESS DIRECT PPO0 | 821 ESE LOOP 323 STE 200 TYLER, TX 75701 | UNIMERICA INSURANCE CO. OPTUM | — | $30K | $30K | 3.83% |
| TRIA HEALTH0 | 7101 COLLEGE BLVD STE 600 OVERLAND PARK, KS 66210 | UNIMERICA INSURANCE CO. OPTUM | — | $30K | $30K | 3.83% |
| MM SOLUTIONS0 | 821 ESE LOOP 323 STE 200 TYLER, TX 75701 | UNIMERICA INSURANCE CO. OPTUM | — | $13K | $13K | 1.61% |
| RFA, INC.3 | PO BOX 130187 TYLER, TX 75713 | THE PRUDENTIAL INSURANCE CO OF AMERICA | $26K | — | $26K | 14.31% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 S MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE CO OF AMERICA | — | $125 | $125 | 0.07% |
| RFA, INC.3 | PO BOX 130187 TYLER, TX 75713 | SUPERIOR VISION | $6K | — | $6K | 15.00% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE CO. OPTUM | 309 | $781K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE CO. ALWAYS CARE BENEFITS, INC. | 264 | $17.8M |
| Vision | SUPERIOR VISION | 240 | $40K |
| Life insurance | THE PRUDENTIAL INSURANCE CO OF AMERICA | 356 | $180K |
| Long-term disability | THE PRUDENTIAL INSURANCE CO OF AMERICA | 356 | $180K |
| Prescription drug | UNIMERICA INSURANCE CO. OPTUM | 309 | $781K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE CO. OPTUM | 309 | $781K |
| Other | THE PRUDENTIAL INSURANCE CO OF AMERICA | 356 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.