| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF TEXAS | — | BLUECROSS BLUESHIELD OF TEXAS | $33K | — | $33K | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5420 LBJ FREEWAY STE 400 DALLAS, TX 75240 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 3.45% |
| THE MIKE MASSAD AGENCY INC Filed as: MIKE MASSAD AGENCY, INC. | 1000 N CENTRAL EXPRESSWAY # 1200 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.09% |
| TURNER JR., RALPH E. | 10000 N CENTRAL EXPWY STE 1200 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.09% |
| TURNER JR., RALPH E. Filed as: TURNER RALPH | 10000 N CENTRAL EXPWY STE 1200 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $998 | — | $998 | 7.50% |
| THE MIKE MASSAD AGENCY INC Filed as: MIKE MASSAD AGENCY INC | 1000 N CENTRAL EXPRESSWAY # 1200 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $998 | — | $998 | 7.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | PO BOX 731739 DALLAS, TX 75373 | UNION SECURITY INSURANCE COMPANY | $606 | — | $606 | 6.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS INC | 5420 LBJ FREEWAY STE 400 DALLAS, TX 75240 | UNION SECURITY INSURANCE COMPANY | $374 | — | $374 | 3.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC | 920 MEMORIAL CITY WAY STE 500 HOUSTON, TX 77024 | UNITED DENTAL CARE OF TEXAS, INC | $171 | — | $171 | 5.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS INC | 5420 LBJ FREEWAY STE 400 DALLAS, TX 75240 | UNITED DENTAL CARE OF TEXAS, INC | $146 | — | $146 | 4.62% |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 94 | $203K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 19 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $65K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.