| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TALON INSURANCE3 Filed as: TALON INSURANCE AGENCY, LTD. | P.O. BOX 1609 NEDERLAND, TX 77627 | BLUE CROSS BLUE SHIELD OF TEXAS | $50K | — | $50K | 4.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FWY #500 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $10K | — | $10K | 0.87% |
| REBA BUNT3 Filed as: REBA B. BUNT | 1630 N MAJOR DRIVE, SUITE B BEAUMONT, TX 77713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 7.50% |
| MICHAEL T WOLF3 Filed as: MICHAEL T. WOLF | 1630 N MAJOR DRIVE, SUITE B BEAUMONT, TX 77713 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 7.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FWY #500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.47% |
| MICHAEL T WOLF3 Filed as: MICHAEL T. WOLF | 1630 N MAJOR DRIVE, SUITE B BEAUMONT, TX 77713 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.81% |
| REBA BUNT3 Filed as: REBA B. BUNT | 1630 N MAJOR DRIVE, SUITE B BEAUMONT, TX 77713 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.81% |
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 | 216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 216 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $65K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $65K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $149K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $149K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.