| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THRELKELD BENEFIT PARTNERS, LLC3 Filed as: THRELKELD & CO INSURANCE AGENCY | 515 W SOUTHWEST LOOP 323 STE 201 TYLER, TX 75701 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 4.71% |
| VONDA OLDHAM CAPO Filed as: VONDA K CAPO | 1617 ORCHARD LANE HIDEAWAY, TX 75771 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $7K | $18K | 170.00% |
| VONDA OLDHAM CAPO Filed as: VONDA K CAMPO | 1617 ORCHARD LANE HIDEAWAY, TX 75771 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 81.80% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSRONE FINANCIAL SERVICES | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORP. | $394 | $0 | $394 | 17.53% |
| VONDA OLDHAM CAPO4 Filed as: VONDA K CAMPO | 307 HIGHLANDER HTS HIDEAWAY, TX 75771 | PRE PAID LEGAL SERVICES INC | $237 | $0 | $237 | 12.20% |
| MELVIN A PEACO4 | 16838 LIBSON FALLS DR HOUSTON, TX 77095 | PRE PAID LEGAL SERVICES INC | $23 | $0 | $23 | 1.18% |
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 | 193 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 193 | $643K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 77 | $11K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 61 | $2K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 118 | $10K |
| Other | PRE PAID LEGAL SERVICES INC | 10 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.