| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | 2 GREENWAY PLAZA SUITE 400 HOUSTON, TX 77046 | GREAT MIDWEST INSURANCE COMPANY | $24K | — | $24K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | ARMADACARE | $1K | — | $1K | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $10K | 20.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.12% |
| DOUG LENHOFF & ASSOCIATES3 Filed as: DOUG LENHOFF & ASSOCIATES INC. | 16325 BOONES FERRY RD STE101 LAKE OSWEGO, OR 97035 | STANDARD INSURANCE COMPANY | $903 | — | $903 | 10.56% |
| RANDALL R MARTELL3 | 8080 N CENTRAL EXPWY STE 1500 DALLAS, TX 75206 | STANDARD INSURANCE COMPANY | $423 | — | $423 | 4.95% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL CONSULTANT | Insurance agents and brokers Service code 22 | 10000 N. CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | $24K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 AUDITOR | Accounting (including auditing) Service code 10 | PO BOX 860 BAYTOWN, TX 77522 | $11K |
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 | 429 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 275 | $200K |
| Dental | MERITAIN HEALTH | 275 | $200K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $25K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 317 | $57K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 272 | $677K |
| Other(3 contracts, 3 carriers) | MERITAIN HEALTH | 317 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.