| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STA BENEFITS LTD3 Filed as: STA BENEFITS, LTD | 306 WEST WALL STREET, SUITE 811 MIDLAND, TX 79701 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 9.95% |
| STA BENEFITS LTD3 Filed as: STA BENEFITS, LTD | 306 WEST WALL STREET, SUITE 811 MIDLAND, TX 79701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 20.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $736 | $736 | 1.20% |
| STA BENEFITS LTD3 Filed as: STA BENEFITS, LTD | 306 WEST WALL STREET, SUITE 811 MIDLAND, TX 79701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.31% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $0 |
| Dental | HUMANA INSURANCE COMPANY | 112 | $87K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $61K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $0 |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.