| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK EUGENE JOYCE III3 | 2900 SAINT MICHAEL DR STE 301 TEXARKANA, TX 75503 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $50K | $63K | 5.64% |
| MICHAEL DEAN GIST3 | 5508 PLAZA DR TEXARKANA, TX 75503 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $965 | $11K | 14.01% |
| FREDERICK EUGENE JOYCE III3 | 2900 SAINT MICHAEL DRIVE STE 301 TEXARKANA, TX 75503 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| JOYCE FREDERICK3 | 5502 CHRISTUS DRIVE TEXARKANA, TX 75503 | KANSAS CITY LIFE INSURANCE COMPANY | $604 | — | $604 | 9.13% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 156 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $49K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $76K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $83K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $76K |
| Prescription drug(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 44 | $92K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 197 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.