| 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 | $23K | — | $23K | 4.99% |
| UNITED BENEFIT ADVISORS LLC3 | 20 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 2.49% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.67% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GROUP LTD | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $685 | $14K | 17.25% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $644 | $9K | 11.80% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $560 | $9K | 11.75% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 NONE | Claims processing Service code 12 | — | $289K |
| COMPENSATION STRATEGIES GROUP OF TX EIN 75-2243397 NONE | Other commissions Service code 55 | — | $89K |
| UNUM LIFE INSURANCE CO OF AMERICA 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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 250 | $51K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $158K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $78K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $469K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.