| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LG INSURANCE MANAGEMENT SERVICES LP3 | — | BLUECROSS BLUESHIELD OF TEXAS | $5K | — | $5K | 5.00% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $673 | $19K | 20.75% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $216 | $6K | 22.63% |
| LG INSURANCE MANAGEMENT SERVICES LP3 Filed as: LG INSURANCE MANAGEMENT SERVIC | STE 1205 12900 PRESTON RD DALLAS, TX 75230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.76% |
| LG MANAGEMENT SERVICES LLC3 Filed as: LG MANAGEMENT SERVICES DBA GBE&W | 12900 PRESTON ROAD, SUITE 1200 DALLAS, TX 75230 | EYEMED | $1K | — | $1K | 8.30% |
| LG MANAGEMENT SERVICES LLC3 | 12900 PRESTON ROAD, SUITE 1200 DALLAS, TX 75230 | EYEMED | $190 | — | $190 | 1.55% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 244 | $109K |
| Vision | EYEMED | 195 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $90K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.