| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS INC. | 1100 MIRA VISTA BLVD PLANO, TX 75093 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $699 | $43K | 4.57% |
| DAVID J WALLACE3 | 305 S TIMBERLINE COLLEYVILLE, TX 76034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 8.73% |
| OPES ONE ADVISORS LLC3 | 15303 DALLAS PKWY ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | $0 | $23 | 0.04% |
| ERIK G LILJENWALL3 | 4130 SPICEWOOD SPRINGS RD STE 200 AUSTIN, TX 78759 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 0.03% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS INC. | 1100 MIRA VISTA BLVD PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.45% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS INC. | 1100 MIRA VISTA BLVD STE 350 PLANO, TN 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS INC. | 1100 MIRA VISTA BLVD STE. 350 PLANO, TX 75093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $945K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $54K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $54K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $18K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.