| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 90 DEGREE BENEFITS5 | 4401 82ND ST STE 1200 LUBBOCK, TX 79424 | COMPANION LIFE INSURANCE COMPANY | $7K | $51K | $58K | 26.26% |
| JIM VOLLMER3 | 401 N CARROLL STE 207 SOUTHLAKE, TX 76092 | COMPANION LIFE INSURANCE COMPANY | $24K | $2K | $26K | 11.96% |
| DENNIS G BRYAN INVESTMENT3 | PO BOX 839 GRAHAM, TX 76450 | COMPANION LIFE INSURANCE COMPANY | $8K | $855 | $9K | 3.86% |
| JAMES VOLLMER3 | 401 N CARROLL AVE STE 207 SOUTHLAKE, TX 760926407 | METLIFE | $22K | — | $22K | 10.41% |
| BRYAN INSURANCE AGENCY3 Filed as: BRYAN INSURANCE AGENCY LTD | 623 ELM ST STE 200 GRAHAM, TX 764503066 | METLIFE | $5K | — | $5K | 2.28% |
| JAMES VOLLMER3 | 401 N CARROLL STE 207 SOUTHLAKE, TX 76092 | UNITED HEALTHCARE INSURANCE COMPANY OPTUM | $424 | — | $424 | 5.96% |
| 90 DEGREE BENEFITS5 | 4401 82ND ST STE 1200 LUBBOCK, TX 79424 | UNITED HEALTHCARE INSURANCE COMPANY OPTUM | $367 | — | $367 | 5.16% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 128 | $228K |
| Dental | METLIFE | 128 | $208K |
| Vision | METLIFE | 128 | $208K |
| Life insurance | METLIFE | 128 | $208K |
| Long-term disability | METLIFE | 128 | $208K |
| Other | METLIFE | 128 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.