| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK EARP3 | PO BOX 1129 GLADEWATER, TX 756471129 | DALLAS RISK MANAGEMENT LLC | $17K | — | $17K | 5.06% |
| JACK EARP3 | PO BOX 1129 GLADEWATER, TX 756471129 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 5.68% |
| JACK EARP3 | PO BOX 1129 GLADEWATER, TX 756471129 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED BENEFITS ADMINISTRATORS EIN 74-2403409 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 221 N KANSAS ST STE 1610 EL PASO, TX 79901 | $47K |
| HCC LIFE INSURANCE COMPANY EIN 35-1817054 NONE | Insurance services; Direct payment from the plan Service code 23 | 6000 FELDWOOD RD BOX 402032 COLLEGE PARK, GA 30349 | $26K |
| VOLTAIRE HEALTH LLC DBA PAYER COMPA EIN 46-2047081 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 5800 GRANITE PARKWAY STE 450 PLANO, TX 45024 | $11K |
| MULTIPLAN INC EIN 13-3068979 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | PO BOX 29380 NEW YORK, NY 10087 | $11K |
| MEDWATCH LLC EIN 16-1662117 NONE | Consulting fees; Direct payment from the plan Service code 50 | PO BOX 21796 TAMPA, FL 33630 | $5K |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $238K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $238K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $238K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $238K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $238K |
| Stop-loss / reinsurancereinsurance | DALLAS RISK MANAGEMENT LLC | 179 | $331K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.