| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES VOLLMER3 | 401 N CARROLL # 207 SOUTHLAKE, TX 76092 | UNIMERICA INSURANCE COMPANY | $26K | $0 | $26K | 9.09% |
| JAMES VOLLMER3 | 410 N CARROLL AVE SUITE 207 SOUTHLAKE, TX 76092 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60540 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.22% |
| JAMES VOLLMER3 | 1350 S BOULDER AVE TULSA, OK 74119 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.33% |
| JAMES VOLLMER3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.70% |
| JAMES ARTHUR VOLLMER3 | 401 N CARROLL AVE #207 SOUTHLAKE, TX 76092 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $70 | $70 | 0.32% |
| JAMES ARTHUR VOLLMER3 Filed as: JAMES A VOLLMER | 401 N CARROLL #207 SOUTHLAKE, TX 76092 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | 13625 TECHNOLOGY DR EDEN, MN 55344 | $256K |
| UMR, INC. EIN 36-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | 11 SCOTT ST WAUSAU, WI 55403 | $38K |
| JAMES A VOLLMER EIN 45-4411322 BROKER | Other commissions Service code 55 | 401 N CARROLL AVE #207 SOUTHLAKE, TX 76092 | $4K |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $108K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $108K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $108K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $22K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 116 | $288K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.