| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, WORTHAM SAN ANTONIO INC | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | UNITEDHEATHCARE INSURANCE COMPANY | $18K | $125K | $143K | 5.60% |
| CHARLES D SNOWDEN3 | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TN 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.64% |
| CHARLES D SNOWDEN3 | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TN 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $902 | — | $902 | 3.86% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $372 | $24 | $396 | 1.69% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $372 | $18 | $390 | 1.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | 6200 SAVOY HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $233 | — | $233 | 1.00% |
| DARELL LAWAYNE EIDSON3 | 246 IVERNESS CTR DR BIRMINGHAM, AL 35242 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.10% |
| CHARLES D SNOWDEN3 | 10101 REUNION PLACE SUITE 300 SAN ANTONIO, TN 78216 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $784 | — | $784 | 6.94% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $337 | $25 | $362 | 3.20% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $337 | $19 | $356 | 3.15% |
| DARELL LAWAYNE EIDSON3 | 246 IVERNESS CTR DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON, LLC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.45% |
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 | 543 | 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) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEATHCARE INSURANCE COMPANY | 761 | $2.6M |
| Dental | UNITEDHEATHCARE INSURANCE COMPANY | 761 | $2.6M |
| Vision | UNITEDHEATHCARE INSURANCE COMPANY | 761 | $2.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $122K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $122K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $122K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 543 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.