| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G&A BENEFICIAL LLC3 | 17220 KATY FWY, SUITE 350 HOUSTON, TX 770941485 | UNITEDHEALTHCARE INSURANCE COMPANY | $792K | $0 | $792K | 4.26% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LTD - CO & WY | 9420 E DOUBLETREE RANCH RD. SUITE C103 SCOTTSDALE, AZ 852585589 | UNITEDHEALTHCARE INSURANCE COMPANY | $219K | $0 | $219K | 1.18% |
| MERRY GRACE JAEN3 | 3512 PAESANOS PKW SUITE 200 SAN ANTONIO, TX 782311248 | UNITEDHEALTHCARE INSURANCE COMPANY | $127K | $0 | $127K | 0.68% |
| ISU INSURANCE AGENCY OF COLORADO3 Filed as: ISU INSURANCE SERVS OF CO INC. | 350 INDIANA ST. SUITE 750 GOLDEN, CO 804015099 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 6330 S 3000 E SUITE 670 SALT LAKE CITY, UT 841216234 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.01% |
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 | 5,179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,722 | $18.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 5,722 | $18.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,722 | $18.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,722 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.