| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEVELAND, TIM, JOSEPH3 | 5151 BELT LINE ROAD STE 715 DALLAS, TX 75254 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $84K | $10K | $94K | 30.56% |
| ENROLL FORCE, LLC | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $82K | — | $82K | 26.86% |
| MEIJERIN, FRED | 3207 HILLPARK LANE CARROLLTON, TX 75007 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $44K | — | $44K | 14.21% |
| LORD AND OSBORN INSURANCE | PO BOX 117133 CARROLLTON, TX 75011 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $28K | — | $28K | 9.21% |
| REYNA, GINGER, CHRISTINE | 1921 E HICHORY HILL RD ARGYLE, TX 76226 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $601 | — | $601 | 0.20% |
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. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | PROVIDENT LIFE AND ACCIDENT INSURANCE | 801 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 801 | — |
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.