| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STA BENEFITS LTD3 | 6010 HIGHWAY 191, SUITE 210 ODESSA, TX 79762 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $231 | $24K | 11.29% |
| STA BENEFITS LTD3 | 6010 HIGHWAY 191, SUITE 210 ODESSA, TX 79762 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $4K | $34K | 18.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.80% |
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 | 714 | 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) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $214K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $214K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 714 | $182K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 714 | $182K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 714 | $182K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 714 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.