| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $87K | $108K | 4.84% |
| FOSTER BENEFIT RESOURCES INC3 | 14911 QUORUM DR STE 100 DALLAS, TX 75254 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 1.30% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $96 | $3K | 6.85% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $109 | $5K | 9.98% |
| GEORGE MICHAEL LOONEY3 | 2100 ROSS AVE STE 1400 DALLAS, TX 75201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.82% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.21% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.19% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $41 | $1K | 9.47% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.43% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.57% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.71% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 1.91% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 2.42% |
| LINDA PITT4 | 4660 MIRANDY RD COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $678 | — | $678 | 19.13% |
| SYLVIA PADILLA4 | PO BOX 118501 CARROLLTON, TX 75011 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $46 | — | $46 | 1.30% |
| RENEE MCKNIGHT4 | 4205 W VANDALIA ST BROKEN ARROW, OK 74012 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $41 | — | $41 | 1.16% |
| HARVARD BENEFITS, INC.4 Filed as: HARVARD BENEFITS INC | 4660 MIRANDY RD COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $40 | — | $40 | 1.13% |
| JAMES DYER4 | 804 MISTY PINES CIRCLE WOODLAND PARK, CO 80863 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $29 | — | $29 | 0.82% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $2.2M |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $87K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $79K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $77K |
| Other(8 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.