| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPPS GENERAL AGENCY LTD3 | PO BOX 1618 MT PLEASANT, TX 75456 | HEALTH CARE SERVICE CORPORATION | $30K | $2K | $32K | 5.21% |
| CAPPS GENERAL AGENCY LTD3 Filed as: CAPPS INSURANCE AGENCY | PO BOX 1618 MT PLEASANT, TX 75456 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| CAPPS GENERAL AGENCY LTD3 | PO BOX 1618 MT PLEASANT, TX 75456 | UMUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 12.89% |
| CAPPS GENERAL AGENCY LTD3 Filed as: CAPPS INSURANCE AGENCY | PO BOX 1618 MT PLEASANT, TX 75456 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $965 | $0 | $965 | 10.00% |
| CAPPS GENERAL AGENCY LTD3 | PO BOX 1618 MT PLEASANT, TX 75456 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $415 | $0 | $415 | 15.00% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 169 | $611K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $30K |
| Short-term disability | UMUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $19K |
| Long-term disability(2 contracts, 2 carriers) | UMUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $22K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.