| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGAR CARTER JR3 | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75255 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 5.97% |
| FAIRWAY PARTNERS LLC3 | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75255 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 3.96% |
| EDGAR CARTER3 Filed as: EDGAR L CARTER JR | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $205 | $4K | 16.83% |
| EDGAR CARTER3 Filed as: EDGAR L CARTER, JR. | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $87 | $2K | 15.75% |
| EDGAR CARTER3 Filed as: EDGAR L. CARTER, JR | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $59 | $1K | 15.75% |
| EDGAR CARTER JR3 Filed as: EDGAR CARTER JR. | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75255 | CIGNA DENTAL HEALTH OF TEXAS, INC. AND AFFILIATES | $438 | — | $438 | 5.71% |
| FAIRWAY PARTNERS LLC3 Filed as: FAIRWAY PARTNERS, LLC | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | CIGNA DENTAL HEALTH OF TEXAS, INC. AND AFFILIATES | $329 | — | $329 | 4.29% |
| EDGAR CARTER3 Filed as: EDGAR L CARTER | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $680 | — | $680 | 14.11% |
| EDGAR CARTER3 Filed as: EDGAR L CARTER, JR. | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $647 | $32 | $679 | 15.75% |
| EDGAR CARTER3 Filed as: EDGAR L CARTER | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 38.63% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 76 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $30K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $38K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $30K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.