| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARKADAMSON, LLC3 | 3913 ANDREW AVE DENTON, TX 76210 | BLUE CROSS BLUE SHIELD OF TEXAS | $42K | $0 | $42K | 5.08% |
| CLARKADAMSON, LLC3 | 3913 ANDREW AVE DENTON, TX 76210 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.30% |
| CLARK INSURANCE3 Filed as: CLARK ADAMSON LLC | 3603 FM 51 GAINESVILLE, TX 76240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| CLARKADAMSON, LLC3 Filed as: CLARKADAMSON LLC | 3063 FM 51 GAINESVILLE, TX 76240 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $894 | $0 | $894 | 6.91% |
| CLARK INSURANCE3 Filed as: CLARK ADAMSON LLC | 3603 FM 51 GAINESVILLE, TX 76240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $399 | $0 | $399 | 9.99% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 202 | $818K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $86K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 195 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $35K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
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.