| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J MANNING AND ASSOCIATES | 1034 N ASHLAND AVE CHICAGO, IL 60622 | CNA | $17K | — | $17K | 3.75% |
| RELATION INSURANCE SERVICES OF CA Filed as: RELATION INSURANCE SERVICES DBA PRE | 10425 S 82ND AVE110 TULSA, OK 74133 | THE STANDARD | $28K | — | $28K | 7.96% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES DBA PRE | 10425 S 82ND AVE110 TULSA, OK 74133 | THE STANDARD | $3K | — | $3K | 0.85% |
| JERRY MANNING | 1034 N ASHLAND CHICAGO, IL 60622 | LIFESECURE INSURANCE COMPANY | $6K | — | $6K | 5.70% |
| SENIOR COMMISSION FUNDING LLC | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $3K | — | $3K | 2.98% |
| DMS INSURANCE AGENCY OF TEXAS LLC Filed as: DMS INSURANCE AGENCY OF TEXAS | 12400 COIT RD DALLAS, TX 75251 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 2.17% |
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 | 2,862 | 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) | 2,862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | THE STANDARD | 2,483 | $350K |
| Other(2 contracts, 2 carriers) | CNA | 307 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,483 | — |
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.