| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $35K | $37K | 5.53% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | — | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | — | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE HORTON GROUP3 Filed as: LARRY G HORTON | 717 W MAIN ST MIDLOTHIAN, TX 76065 | AFLAC | $147 | — | $147 | 3.60% |
| TRUENORTH COMPANIES LC3 | 1200 E COPELAND RD STE 300 ARLINGTON, TX 76011 | AFLAC | $51 | — | $51 | 1.25% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LN SOUTHLAKE, TX 76092 | AFLAC | $50 | — | $50 | 1.22% |
| ANTHONY LAMONT CUINGTON3 | 1825 W WALNUT HILL LN STE 120 IRVING, TX 75038 | AFLAC | $47 | — | $47 | 1.15% |
| MARSHALL R BERKLEY3 | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $45 | — | $45 | 1.10% |
| FRANKLIN R DAVIES3 | 201 ROYAL ABERDEEN WAY MCKINNEY, TX 75072 | AFLAC | $27 | — | $27 | 0.66% |
| PATRICIA C RAMOS3 | 6610 WILDHAVEN DR. ROWLETT, TX 75089 | AFLAC | $19 | — | $19 | 0.47% |
| ZAKERY ALLEN HARLOW3 | 2030 W BASELINE RD STE 182-17062 PHOENIX, AZ 85041 | AFLAC | $16 | — | $16 | 0.39% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $9 | — | $9 | 0.22% |
| ROBERT MILWOOD3 Filed as: ROBERT Z MILWOOD | 2808 CARTERTON WAY FLOWER MOUND, TX 75022 | AFLAC | $9 | — | $9 | 0.22% |
| BRENT LYNN SCHNEIDER3 | 4220 PIKE CT PLANO, TX 75093 | AFLAC | $5 | — | $5 | 0.12% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $1 | — | $1 | 0.02% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $1 | — | $1 | 0.02% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | 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 | 180 | $678K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 75 | $40K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $678K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $678K |
| Short-term disability | AFLAC | 5 | $4K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.