| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES P ZANDER | 4655 N CENTRAL EXPWY FL 2 DALLAS, TX 75205 | UNITEDHEALTHCARE INSURANCE CO | — | $51K | $51K | 5.26% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMINISTRATION | POS BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 16.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES P ZANDER | 4655 N CENTRAL EXPWY FL2 DALLAS, TX 75205 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.93% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $993 | $993 | 1.12% |
| JAMES ZANDER3 | 4655 N CENTRAL EXPWY 2ND FLOOR DALLAS, TX 75205 | SAFEGUARD HEALTH PLANS INC | — | $91 | $91 | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS INC | — | $11 | $11 | — |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE CO | 218 | $974K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $88K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $88K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $88K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $88K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $88K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.