| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | PRINCIPAL LIFE INSURANCE COMPANY | $48K | $0 | $48K | 14.66% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 W LAKES HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.57% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 13.11% |
| HOWARD S COHEN3 | 5512 WESTGROVE DR DALLAS, TX 75248 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $289 | $0 | $289 | 0.17% |
| HOWARD S COHEN3 | 5512 WESTGROVE DR DALLAS, TX 75248 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $40K | $55K | 81.53% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9K | $9K | 13.83% |
| HOWARD S COHEN3 Filed as: HOWARD SHELDON COHEN | 16400 DALLAS PKWY STE 310 DALLAS, TX 75248 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 7.41% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | WESTPORT INSURANCE CORPORATION | $4K | $0 | $4K | 10.00% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 524 | $326K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 157 | $17K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 524 | $494K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $168K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 524 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
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.