| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GRP OF | TX INC 101 SUMMIT AVE STE 600 FORT WORTH, TX 76102 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 5.55% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIC GROUP OF | OF TX INC 101 SUMMIT AVE STE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $72 | $2K | 6.08% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE | AGENCY INC 500 W 13T ST FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | — | $239 | 0.79% |
| HEFA OPERATING LLC3 Filed as: HEFA OPERATING, LLC | 101 SUMMIT AVENUE STE 600 FORTH WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $213 | — | $213 | 0.71% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIC GROUP | 101 SUMMIT AVENUE STE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $135 | $2K | 6.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $821 | $66 | $887 | 3.07% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIC GROUP | 101 SUMMIT AVENUE STE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $114 | $2K | 9.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $55 | $1K | 4.74% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIES GRP | OF TX INC 101 SUMMIT AVENUE #600 FT WORTH, TX 76102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $999 | $5K | 37.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 21.18% |
| COMPENSATION STRATEGIES GROUP OF TX3 Filed as: COMPENSATION STRATEGIC GROUP | 101 SUMMIT AVENUE STE 600 FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $83 | $2K | 11.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE FLOOR 15 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $487 | $24 | $511 | 3.97% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $522K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $53K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $13K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $522K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.