| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EIFFEL INSURANCE ASSOCIATES3 | 6060 POST OAK ROAD RENO, TX 75462 | NATIONWIDE LIFE | $43K | — | $43K | 13.00% |
| IMAGINE 360 ADMINISTRATORS, LLC3 Filed as: IMAGINE 360 ADMINISTRATORS | 12770 MERRIT DR. DALLAS, TX 75251 | NATIONWIDE LIFE | $10K | — | $10K | 3.00% |
| EIFFEL INSURANCE ASSOC LLC3 | PO BOX 14 PARIS, TX 75461 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ENOCHS, KATHY SUE | 12770 MERRIT DR. SUITE 200, PARK CENTRAL 8 DALLAS, TX 75251 | TOKIO MARINE HCC | $2K | — | $2K | 10.00% |
| IMAGINE 360 ADMINISTRATORS, LLC3 Filed as: IMAGINE 360 ADMINISTRATORS | 12770 MERRIT DR. DALLAS, TX 75251 | TOKIO MARINE HCC | — | $604 | $604 | 3.60% |
| EIFFEL INSURANCE ASSOC LLC3 | PO BOX 14 PARIS, TX 75461 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $30K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE | 99 | $331K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE HCC | 123 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.