| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES VOLLMER3 | 401 N CARROLL AVE STE 207 SOUTHLAKE, TX 760926407 | METLIFE | $7K | — | $7K | 5.92% |
| JAMES VOLLMER3 | 401 N CARROLL AVE STE 207 SOUTHLAKE, TX 760926407 | METLIFE | $5K | — | $5K | 4.15% |
| BRYAN INSURANCE AGENCY3 Filed as: BRYAN INSURANCE AGENCY LTD | 623 ELM ST STE 200 GRAHAM, TX 764503066 | METLIFE | $3K | — | $3K | 2.54% |
| BRYAN INSURANCE AGENCY3 Filed as: BRYAN INSURANCE AGENCY LTD | 623 ELM ST STE 200 GRAHAM, TX 764503066 | METLIFE | $2K | — | $2K | 1.78% |
| JAMES VOLLMER3 | 401 N CARROLL AVE STE 207 SOUTHLAKE, TX 760926407 | METLIFE | $702 | — | $702 | 0.57% |
| JAMES VOLLMER3 | 401 N CARROLL AVE STE 207 SOUTHLAKE, TX 760926407 | METLIFE | $454 | — | $454 | 0.37% |
| BRYAN INSURANCE AGENCY3 Filed as: BRYAN INSURANCE AGENCY LTD | 623 ELM ST STE 200 GRAHAM, TX 764503066 | METLIFE | $301 | — | $301 | 0.25% |
| BRYAN INSURANCE AGENCY3 Filed as: BRYAN INSURANCE AGENCY LTD | 623 ELM ST STE 200 GRAHAM, TX 764503066 | METLIFE | $195 | — | $195 | 0.16% |
| JAMES VOLLMER3 | 401 N CARROLL AVE STE 207 SOUTHLAKE, TX 760926407 | METLIFE | $133 | — | $133 | 0.11% |
| BRYAN INSURANCE AGENCY3 Filed as: BRYAN INSURANCE AGENCY LTD | 623 ELM ST STE GRAHAM, TX 764503066 | METLIFE | $57 | — | $57 | 0.05% |
| JAMES ARTHUR VOLLMER3 | 401 N CARROLL AVE STE 207 SOUTHLAKE, TX 76092 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 4.97% |
| BRYAN INSURANCE AGENCY3 Filed as: BRYAN INSURANCE AGENCY LTD | PO BOX 839 GRAHAM, TX 76450 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.13% |
| JAMES ARTHUR VOLLMER3 | 401 N CARROLL AVE STE 207 SOUTHLAKE, TX 76092 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.41% |
| BRYAN INSURANCE AGENCY3 Filed as: BRYAN INSURANCE AGENCY LTD | PO BOX 839 GRAHAM, TX 76450 | SUN LIFE ASSURANCE COMPANY OF CANADA | $610 | — | $610 | 0.60% |
| 90 DEGREE BENEFITS5 | 4401 82ND ST STE 1200 LUBBOCK, TX 79424 | UNITED HEALTHCARE INSURANCE COMPANY OPTUM | — | — | $0 | 0.00% |
| JAMES VOLLMER3 | 401 N CARROLL STE 207 SOUTHLAKE, TX 76092 | UNITED HEALTHCARE INSURANCE COMPANY OPTUM | — | — | $0 | 0.00% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY OPTUM | 125 | $7K |
| Dental | METLIFE | 830 | $122K |
| Vision | METLIFE | 830 | $122K |
| Life insurance | METLIFE | 830 | $122K |
| Long-term disability | METLIFE | 830 | $122K |
| Other | METLIFE | 830 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 830 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.