| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHFIRST TPA, INC5 | 821 ESE LOOP 323 SUITE 200 PO BOX 130187 TYLER, TX 75701 | UNIAMERICA INSURANCE COMPANY | $31K | — | $31K | 6.02% |
| RFA, INC.3 | 821 ESE LOOP 323 SUITE 200 TYLER, TX 75701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 16.31% |
| RFA, INC.3 | 821 E SOUTHEAST LOOP 323 STE 200 TYLER, TX 75701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.14% |
| RFA, INC.3 | 821 ESE LOOP 323 SUITE 200 TYLER, TX 75701 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| HEALTHFIRST TPA, INC5 | 821 ESE LOOP 323 SUITE 200 PO BOX 130187 TYLER, TX 75701 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.04% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIAMERICA INSURANCE COMPANY | 551 | $514K |
| Dental | UNIAMERICA INSURANCE COMPANY | 551 | $514K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,096 | $66K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $245K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $108K |
| Stop-loss / reinsurancereinsurance | UNIAMERICA INSURANCE COMPANY | 551 | $514K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,249 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,249 | — |
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.