| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD BENEFIT PARTNERS LLC | 2367 OAK ALLEY TYLER, TX 75703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $56K | — | $56K | 15.00% |
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD BENEFIT PARTNERS LLC | 2367 OAK ALLEY TYLER, TX 75703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | — | $46K | 15.00% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | — | $29K | 15.22% |
| TIM SHERWOOD AGENCY LLC3 | 1617 N VALLEY MILLS DR WACO, TX 76710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 5.84% |
| BRIAN E HARTLEY3 | 331 W HWY 6 SUITE F WACO, TX 76710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.16% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 10.40% |
| TIM SHERWOOD AGENCY LLC3 | 1617 N VALLEY MILLS DR WACO, TX 76710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.72% |
| BRIAN E HARTLEY3 | 331 W HWY 6 SUITE F WACO, TX 76710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $897 | — | $897 | 0.74% |
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD BENEFIT PARTNERS LLC | 2367 OAK ALLEY TYLER, TX 75703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 14.64% |
| TIM SHERWOOD AGENCY LLC3 | 1617 N VALLEY MILLS DR WACO, TX 76710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.91% |
| BRIAN E HARTLEY3 | 331 W HWY 6 SUITE F WACO, TX 76710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.98% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 14.70% |
| TIM SHERWOOD AGENCY LLC3 | 1617 N VALLEY MILLS DR WACO, TX 76710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.26% |
| BRIAN E HARTLEY3 | 331 W HWY 6 SUITE F WACO, TX 76710 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $509 | — | $509 | 1.25% |
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD BENEFIT PARTNERS LLC | 2367 OAK ALLEY TYLER, TX 75703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 959 | 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) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 884 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,297 | $326K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,505 | $372K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 476 | $88K |
| Other(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 490 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,505 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.