| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA GREAT WEST | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | WESTPORT INSURANCE CORPORATION | — | $26K | $26K | 11.46% |
| BOLEY FEATHERSTON HUFFMAN & DEAL CO3 | 701 LAMAR STREET WICHITA FALLS, TX 76301 | WESTPORT INSURANCE CORPORATION | $13K | — | $13K | 5.93% |
| BOLEY FEATHERSTON HUFFMAN & DEAL CO3 | 701 LAMAR STREET WICHITA FALLS, TX 76301 | HUMANA DENTAL INSURANCE COMPANY | $6K | — | $6K | 4.91% |
| BOLEY FEATHERSTON HUFFMAN & DEAL CO3 | 701 LAMAR STREET WICHITA FALLS, TX 76301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $2K | $18K | 16.90% |
| BOLEY FEATHERSTON HUFFMAN & DEAL CO3 | 701 LAMAR STREET WICHITA FALLS, TX 76301 | NATIONAL UNION FIRE INSURANCE COMPANY | $1K | — | $1K | 5.55% |
| HEALTHSMART BENEFIT SOLUTIONS5 | 222 WEST LAS COLINAS BLVD, STE 500N IRVING, TX 75039 | NATIONAL UNION FIRE INSURANCE COMPANY | — | $656 | $656 | 3.00% |
| BOLEY FEATHERSTON HUFFMAN & DEAL CO3 | 701 LAMAR STREET WICHITA FALLS, TX 76301 | SUPERIOR VISION OF TEXAS | $2K | — | $2K | 10.96% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTPORT INSURANCE CORPORATION | 155 | $224K |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 164 | $116K |
| Vision | SUPERIOR VISION OF TEXAS | 307 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $107K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $107K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $107K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.