| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPENSATION STRATEGIES GROUP OF TX3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | SYMETRA LIFE INSURANCE COMPANY | $145K | $36K | $181K | 19.03% |
| DAVID G HULL3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $1K | $27K | 15.75% |
| DAVID G HULL3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $721 | $14K | 14.49% |
| DAVID G HULL3 | 101 SUMMIT AVENUE SUITE 600 FORT WORTH, TX 76102 | SUN LIFE ASSURANCE OF COMPANY OF CANADA | $10K | — | $10K | 14.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $660K |
| D HULL BENEFITS LTD EIN 20-0729066 BROKER | Other commissions Service code 55 | — | $44K |
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 | 1,020 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,020 | $238K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $96K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 917 | $952K |
| Other | SUN LIFE ASSURANCE OF COMPANY OF CANADA | 1,020 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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.