| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $43K | $54K | 2.45% |
| FROST INSURANCE AGENCY INC3 | PO BOX 225749 DALLAS, TX 75222 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $42K | $53K | 2.40% |
| FOSTER BENEFIT RESOURCES INC3 | 14911 QUORUM DR STE 100 DALLAS, TX 75254 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 0.66% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $228 | $5K | 13.08% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $85 | $1K | 2.72% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $148 | $3K | 7.16% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $237 | $1K | 3.43% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $364 | $2K | 6.12% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $163 | $2K | 5.72% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $147 | $2K | 8.93% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $279 | $54 | $333 | 1.27% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $66 | $2K | 9.86% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS, STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $816 | $104 | $920 | 5.92% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $673 | $51 | $724 | 4.66% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.96% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $386 | — | $386 | 3.22% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $97 | $2K | 18.77% |
| FROST INSURANCE AGENCY INC Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $430 | $38 | $468 | 4.08% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.66% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $377 | — | $377 | 3.33% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $61 | $1K | 12.10% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY INC. | 401 CONGRESS AVE STE 1400 AUSTIN, TX 78701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $256 | $23 | $279 | 2.56% |
| GEORGE MICHAEL LOONEY3 | 6301 GASTON AVE STE 450 DALLAS, TX 75214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 1.79% |
| 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 SERVICE, INC DBA LEGALSHIELD | $638 | — | $638 | 19.45% |
| HARVARD BENEFITS, INC.4 Filed as: HARVARD BENEFITS INC. | 4660 MIRANDY RD COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICE, INC DBA LEGALSHIELD | $64 | — | $64 | 1.95% |
| SYLVIA PADILLA4 | PO BOX 118501 CARROLLTON, TX 75011 | PRE-PAID LEGAL SERVICE, INC DBA LEGALSHIELD | $42 | — | $42 | 1.28% |
| RENEE MCKNIGHT4 | 4205 W. VANDALIA ST BROKEN ARROW, OK 74012 | PRE-PAID LEGAL SERVICE, INC DBA LEGALSHIELD | $28 | — | $28 | 0.85% |
| JAMES DYER4 | 804 MISTY PINES CIRCLE WOODLAND PARK, CO 80863 | PRE-PAID LEGAL SERVICE, INC DBA LEGALSHIELD | $26 | — | $26 | 0.79% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $2.2M |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $101K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $59K |
| Long-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $97K |
| Other(9 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.