| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 3.02% |
| DKG INSURANCE AND FINANCIAL SER INC3 | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 3.02% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 4.96% |
| DKG INSURANCE AND FINANCIAL SER INC3 | 12404 PARK CENTRAL DR, SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 4.96% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| DKG INSURANCE AND FINANCIAL SER INC3 | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| DKG INSURANCE AND FINANCIAL SER INC3 | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| DKG INSURANCE AND FINANCIAL SER INC3 | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| DKG INSURANCE AND FINANCIAL SER INC3 | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $328 | — | $328 | 7.50% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $328 | — | $328 | 7.50% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 102 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 174 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $37K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
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.