| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGAR CARTER JR3 | 5944 LUTHER LN, STE 3 DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.86% |
| LIPSCOMB BENEFITS GROUP INC3 Filed as: LIPSCOMB BENEFITS GROUP | 750 N SAINT PAUL ST, STE 1400 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.89% |
| SUMMIT GLOBAL PARTNERS3 | 2711 N HASKELL AVENUE, STE 2000 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $52 | $52 | 0.08% |
| SUMMIT GLOBAL PARTNERS3 | 2711 N HASKELL AVENUE, STE 2000 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $27 | $27 | 0.06% |
| EDGAR CARTER JR3 | 5944 LUTHER LN, STE 3 DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.79% |
| LIPSCOMB BENEFITS GROUP INC3 Filed as: LIPSCOMB BENEFITS GROUP | 750 N SAINT PAUL ST, STE 1400 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $369 | — | $369 | 2.22% |
| SUMMIT GLOBAL PARTNERS3 | 2711 N HASKELL AVENUE, STE 2000 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15 | $15 | 0.09% |
| EDGAR CARTER JR3 | 5944 LUTHER LN, STE 3 DALLAS, TX 75244 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $478 | — | $478 | 4.12% |
| LIPSCOMB BENEFITS GROUP INC3 Filed as: LIPSCOMB BENEFITS GROUP | 750 N SAINT PAUL ST, STE 1400 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $184 | — | $184 | 1.59% |
| SUMMIT GLOBAL PARTNERS3 | 2711 N HASKELL AVENUE, STE 2000 DALLAS, TX 75204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9 | $9 | 0.08% |
| BENEFIT CONCEPTS INC3 | 109 N HADDON AVENUE HADDONFIELD, NJ 08033 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $609 | — | $609 | 6.88% |
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 | 1,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,081 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 399 | $220K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 162 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,032 | $61K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,032 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,032 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,032 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,032 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.