| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARKADAMSON, LLC3 Filed as: CLARKADAMSON LLC | 3913 ANDREW AVE DENTON, TX 76210 | BLUE CROSS AND BLUE SHIELD OF TEXAS | $21K | $0 | $21K | 3.59% |
| CLARKADAMSON, LLC3 | 3913 ANDREW AVE DENTON, TX 76210 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $136 | $4K | 9.56% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $789 | $2K | 5.80% |
| CLARKADAMSON, LLC3 | 3603 S FM 51 GAINESVILLE, TX 76240 | GUARDIAN | $7K | $0 | $7K | 19.02% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN | $2K | $0 | $2K | 5.00% |
| TRUE NETWORK ADVISORS3 | — | GUARDIAN | $719 | $0 | $719 | 2.01% |
| CLARKADAMSON, LLC3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $524 | $0 | $524 | 11.38% |
| MASA AGENTS3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $160 | $0 | $160 | 3.47% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF TEXAS | 92 | $601K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $40K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $40K |
| Life insurance | GUARDIAN | 122 | $36K |
| Other | GUARDIAN | 122 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
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.