| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES, INC. | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $38K | $41K | 5.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES LLC | 14090 SOUTHWEST FREEWAY, SUITE 200 SUGAR LAND, TX 77478 | UNITEDHEALTHCARE INSURANCE COMPANY | $266 | — | $266 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 700 NORTH PEARL STREET, SUITE N1700 DALLAS, TX 75201 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 8.56% |
| SANDRA DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $254 | $3K | 9.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $420 | $2K | 7.57% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $741 | $357 | $1K | 3.73% |
| BUDDY GLENN DRIVER3 | 1703 TAMARACK DRIVE WYLIE, TX 75098 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $760 | $53 | $813 | 2.76% |
| CHALSEE CANTRELL3 | 1007 THISTLE DRIVE MESQUITE, TX 75149 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $525 | — | $525 | 1.78% |
| COMPASS INSURANCE AGENCY, INC.3 Filed as: COMPASS INSURANCE AND VARIOUS AGENT | 840 GESSNER ROAD HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $300 | — | $300 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UNKNOWN DALLAS, TX 75231 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.63% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $797K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 102 | $63K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 102 | $63K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $797K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $29K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $797K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.