| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOLAN R SMITH3 | 1019 BROWN DRIVE WAKE VILLAGE, TX 75501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | — | $37K | 19.39% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.23% |
| DAVID M WILKINS3 | 1415 WEST RANDOL MILL ROAD ARLINGTON, TX 76012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.16% |
| DAVID M WILKINS3 | 1415 WEST RANDOL MILL ROAD ARLINGTON, TX 76012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.21% |
| BOCKMAN INSURANCE AGENCY3 | 450 EAST LOOP 281, SUITE C-1 LONGVIEW, TX 75605 | SUPERIOR VISION PLAN OF TEXAS | $10K | — | $10K | 14.70% |
| DAVID M WILKINS3 | 1415 WEST RANDOL MILL ROAD ARLINGTON, TX 76012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.93% |
| NOLAN R SMITH3 | 1019 BROWN DRIVE WAKE VILLAGE, TX 75501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 26.55% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.32% |
| NOLAN R SMITH3 | 1019 BROWN DRIVE WAKE VILLAGE, TX 75501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 24.51% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.50% |
| NOLAN R SMITH3 | 1019 BROWN DRIVE WAKE VILLAGE, TX 75501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $649 | — | $649 | 41.74% |
| NOLAN R SMITH3 | 1019 BROWN DRIVE WAKE VILLAGE, TX 75501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 6.28% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 3.01% |
| BOCKMAN INSURANCE AGENCY3 | 450 EAST LOOP 281, SUITE C-1 LONGVIEW, TX 75605 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $154 | — | $154 | 13.97% |
| NOLAN R SMITH3 | 1019 BROWN DRIVE WAKE VILLAGE, TX 75501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 53.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 544021087 | $193K |
| BOCKMON INSURANCE AGENCY, INC EIN 75-2914416 BROKER | Insurance agents and brokers Service code 22 | 450 EAST LOOP 281 #C1 LONGVIEW, TX 75605 | $32K |
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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | SUPERIOR VISION PLAN OF TEXAS | 858 | $66K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $170K |
| Short-term disability(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 423 | $284K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
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.