| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 5.00% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS COALITION SERVICES LLC | 7632 SW DURHAM ROAD SUITE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 2.50% |
| UMR, INC.3 Filed as: UMR INC | 115 W WAUSAU AVENUE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.53% |
| LOGAN DICKINSON3 | COMPENSATION STRATEGIES GROUP, LTD 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $696 | $15K | 15.75% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP | MALLICK TOWER 101 SUMMIT AVE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $730 | $11K | 12.82% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP | MALLICK TOWER 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $574 | $8K | 11.80% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP | MALLICK TOWER 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $317 | $7K | 15.75% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 NONE | Claims processing Service code 12 | — | $273K |
| COMPENSATION STRATEGIES GROUP OF TX EIN 75-2243397 NONE | Other commissions Service code 55 | — | $94K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 NONE | Claims processing Service code 12 | — | $16K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Claims processing Service code 12 | — | $6K |
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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 574 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $182K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $70K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 265 | $397K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.