| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CL SCOTT CORPORATE INSURANCE SVCS3 Filed as: C.L. SCOTT CORPORATE INS. SERVICES | 3600 NORTH CAPITAL OF TEXAS HIGHWAY B-200 AUSTIN, TX 78746 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $371 | $371 | 1.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSRUANCE SERVICES, INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY WEST LAKE HILLS, TX 78746 | VISION SERVICE PLAN | $170 | $0 | $170 | 0.52% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 18.88% |
| CLINT L SCOTT3 Filed as: CLINT LEE STOTT | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B200 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $743 | $0 | $743 | 6.57% |
| WESTON BRYAN3 | 3741 SHADY HILL DRIVE DALLAS, TX 75229 | STANDARD INSURANCE COMPANY | $436 | $0 | $436 | 3.86% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS | 11225 COLLEGE BOULEVARD, SUITE 105 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $360 | $0 | $360 | 3.19% |
| CODY A PURDY3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $300 | $0 | $300 | 2.65% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PARKWAY, SUITE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $264 | $0 | $264 | 2.34% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 96 | $33K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 118 | $37K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 118 | $48K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 118 | $37K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 118 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.