| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAIRWAY PARTNERS LLC3 | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75255 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 9.92% |
| FAIRWAY PARTNERS LLC3 Filed as: FAIRWAY PARTNERS, LLC | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 17.87% |
| FAIRWAY PARTNERS LLC3 Filed as: FAIRWAY PARTNERS, LLC | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.29% |
| EDGAR CARTER3 Filed as: EDGAR L CARTER, JR | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $487 | $24 | $511 | 3.75% |
| FAIRWAY PARTNERS LLC3 Filed as: FAIRWAY PARTNERS, LLC | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $867 | — | $867 | 13.50% |
| EDGAR CARTER3 Filed as: EDGAR L CARTER, JR | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $271 | $14 | $285 | 4.44% |
| FAIRWAY PARTNERS LLC3 | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75255 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $600 | — | $600 | 10.01% |
| EDGAR CARTER3 Filed as: EDGAR L CARTER | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $761 | — | $761 | 14.41% |
| EDGAR CARTER3 Filed as: EDGAR L CARTER | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $293 | — | $293 | 16.84% |
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 | 122 | 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) | 122 | 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 | 75 | $49K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $31K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $31K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
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.