| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERIT INSURANCE INC.3 Filed as: MERIT INSURANCE | 1415 LEGACY DRIVE STE 300 FRISCO, TX 75034 | AIG | $99K | — | $99K | 13.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | AIG | — | $27K | $27K | 3.48% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DRIVE STE 210 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 13.89% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | AIG | — | $4K | $4K | 4.00% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DR STE 210 FRISCO, TX 75034 | EYEMED VISION CARE | $5K | — | $5K | 9.15% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DR STE 210 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.58% |
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 | 650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,354 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 650 | $223K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 650 | $189K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 650 | $189K |
| Stop-loss / reinsurancereinsurance | AIG | 1,256 | $764K |
| Other(2 contracts, 2 carriers) | AIG | 629 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,354 | — |
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.