| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLEY FEATHERSTON HUFFMAN & DEAL CO | 701 LAMAR STREET WICHITA FALLS, TX 76301 | HUMANA DENTAL INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| BOLEY FEATHERSTON HUFFMAN & DEAL CO3 | 701 LAMAR STREET WICHITA FALLS, TX 76301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| BOLEY FEATHERSTON HUFFMAN & DEAL CO3 | 701 LAMAR STREET WICHITA FALLS, TX 76301 | NATIONAL UNION FIRE INSURANCE COMPANY | $1K | — | $1K | 4.90% |
| HEALTHSMART BENEFIT SOLUTIONS5 | 222 WEST LAS COLINAS BLVD, STE 500N IRVING, TX 75039 | NATIONAL UNION FIRE INSURANCE COMPANY | — | $664 | $664 | 3.00% |
| BOLEY FEATHERSTON HUFFMAN & DEAL CO | 701 LAMAR STREET WICHITA FALLS, TX 76301 | SUPERIOR VISION OF TEXAS | $1K | — | $1K | 8.36% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD SECURITY LIFE | 158 | $256K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 169 | $112K |
| Vision | SUPERIOR VISION OF TEXAS | 290 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $109K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.