| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATHAN BEACH, NBI & ASSOCIATES, LLC3 | PO BOX 2529 BURLESON, TX 76097 | AMFIRST | $5K | $0 | $5K | 10.01% |
| MIKEL COOK3 Filed as: MIKEL COOK, THE COOK GROUP, INC. | 4100 W ELDORADO PKWY, STE 100-112 MCKINNEY, TX 75070 | AMFIRST | $2K | $0 | $2K | 4.00% |
| MORGAN WHITE LIMITED DBA MWG BROKER3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $1K | $0 | $1K | 3.00% |
| JOSHUA (MWG) SULLIVAN3 | 1601 LONGWOOD DRIVE MCKINNEY, TX 75071 | AMFIRST | $930 | $0 | $930 | 2.01% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMFIRST | 60 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.