| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PERRY ZANDER3 | 4655 NORTH CENTRAL EXPWY DALLAS, TX 75205 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $59K | $59K | 4.76% |
| JAMES PERRY ZANDER3 | 4655 NORTH CENTRAL EXPWY DALLAS, TX 75205 | ACE USA GROUP | $7K | — | $7K | 10.00% |
| EPSI BENEFITS, INC.3 Filed as: EPSI BENEFITS INC | 2180 N LOOP W STE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 19.00% |
| JAMES PERRY ZANDER3 | 4655 N CENTRAL EXPWY. 2ND FLOOR DALLAS, TX 75205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.46% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $749 | $749 | 2.15% |
| JAMES PERRY ZANDER3 | 4655 N CENTRAL EXPWY. 2ND FLOOR DALLAS, TX 75205 | THE LINCOLN FINANCIAL GROUP | $6K | — | $6K | 22.72% |
| JAMES PERRY ZANDER3 | 4655 N CENTRAL EXPWY. FL 2 DALLAS, TX 75205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 22.72% |
| JAMES PERRY ZANDER3 | 4655 NORTH CENTRAL EXPWY DALLAS, TX 75205 | HUMANA INC | $1K | — | $1K | 10.00% |
| JAMES PERRY ZANDER3 | 4655 NORTH CENTRAL EXPWY DALLAS, TX 75205 | TRANSAMERICA LIFE INSURANCE | $3K | — | $3K | 24.31% |
| JAMES PERRY ZANDER3 | 4655 NORTH CENTRAL EXPWY DALLAS, TX 75205 | TRANSAMERICA LIFE INSURANCE | $2K | — | $2K | 18.66% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE | $876 | — | $876 | 6.89% |
| MARK METTILLE3 | 2180 WAUPONSEE STREET MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE | $679 | — | $679 | 5.34% |
| JAMES PERRY ZANDER3 | 4655 N CENTRAL EXPWY. STE 400 DALLAS, TX 75205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 18.04% |
| EPSI BENEFITS, INC.3 Filed as: EPSI BENEFITS INC | 2180 N LOOP W STE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 18.04% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $216 | $216 | 2.60% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 215 | $1.2M |
| Dental | ACE USA GROUP | 148 | $69K |
| Vision | HUMANA INC | 139 | $13K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $56K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $26K |
| Long-term disability | THE LINCOLN FINANCIAL GROUP | 75 | $28K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.