| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD CRAWFORD3 | 4016 EDGEBROOK MIDLAND, TX 79707 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.49% |
| MCANALLY WILKINS INC3 Filed as: MCANALLY WILKINS, INC. | 110 W. LOUISIANA SUITE 150 MIDLAND, TX 79701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.00% |
| INSURANCE ONE MANAGEMENT INC3 Filed as: INSURANCE ONE MANAGEMENT, INC. | 1309 W WALL ST MIDLAND, TX 79701 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 15.02% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 500 W 13TH STREET FORT WORTH, TX 76102 | VISION SERVICE PLAN | $2K | — | $2K | 4.21% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $149K |
| Vision | VISION SERVICE PLAN | 218 | $39K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 293 | $82K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $87K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 293 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.