| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TDD CORPORATION3 | 3201 N PECOS 202 MIDLAND, TX 79705 | UNION SECURITY INSURANCE COMPANY | $95K | $2K | $97K | 15.07% |
| TTD CORPORATION3 | 3201 N PECOS 202 MIDLAND, TX 79705 | HM LIFE INSURANCE COMPANY | $100K | — | $100K | 17.59% |
| TTD CORPORATION3 | 3201 N PACOS 202 MIDLAND, TX 79705 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 19.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH SMART BENEFIT SOLUTIONS EIN 75-1857307 NONE | Contract Administrator Service code 13 | 2002 WEST LOOP 289 121 LUBBOCK, TX 79407 | $129K |
| HEALTH SMART PREFERRED CARE EIN 75-2508316 NONE | Contract Administrator Service code 13 | 2002 WEST LOOP 289 121 LUBBOCK, TX 79407 | $28K |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 224 | $612K |
| Dental | UNION SECURITY INSURANCE COMPANY | 220 | $643K |
| Vision | UNION SECURITY INSURANCE COMPANY | 220 | $643K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 220 | $643K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 220 | $643K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 220 | $643K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 224 | $612K |
| Other | UNION SECURITY INSURANCE COMPANY | 77 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.