| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DRIVE STE 210 FRISCO, TX 75034 | HIIG ACCIDENT & HEALTH | $101K | — | $101K | 13.00% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DRIVE STE 210 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 13.87% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DRIVE STE 210 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | TOKIO MARINE HCC | — | $4K | $4K | 4.00% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DRIVE STE 210 FRISCO, TX 75034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 8.81% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DR STE 210 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DR STE 210 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.42% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DRIVE STE 210 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DRIVE STE 210 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $738 | — | $738 | 15.01% |
| MERIT INSURANCE SERVICES INC3 | 1125 LEGACY DRIVE STE 210 FRISCO, TX 75034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $189 | — | $189 | 18.92% |
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 | 781 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,612 | $60K |
| Life insurance(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 750 | $346K |
| Short-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 750 | $231K |
| Long-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 750 | $231K |
| Stop-loss / reinsurancereinsurance | HIIG ACCIDENT & HEALTH | 781 | $780K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 781 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,612 | — |
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."
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.