| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROOKSTONE INSURANCE GROUP LLC3 | PO BOX 168 ADDISON, TX 75001 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $17K | $17K | 1.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - DALLAS | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $17K | $17K | 1.18% |
| ADVOCATE BUSINESS INS SOLUTIONS LLC3 | 1521 N COOPER ST STE 700 ARLINGTON, TX 76011 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 0.87% |
| CHRIS D YOKLEY3 | 11341 MESA CROSSING HASLET, TX 76052 | GUARDIAN | $8K | $0 | $8K | 4.96% |
| HAYS COMPANIES, INC.3 | 1500 BROADWAY 21ST FLOOR STE 700 NEW YORK, NY 10036 | GUARDIAN | $7K | $0 | $7K | 4.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN LONE STAR INSURANCE | PO BOX 168 ADDISON, TX 75001 | GUARDIAN | $6K | $0 | $6K | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES OF CA | — | GUARDIAN | $0 | $2K | $2K | 0.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT INC | — | GUARDIAN | $0 | $1K | $1K | 0.82% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 179 | $1.4M |
| Dental | GUARDIAN | 373 | $168K |
| Vision | GUARDIAN | 373 | $168K |
| Life insurance | GUARDIAN | 373 | $168K |
| Short-term disability | GUARDIAN | 373 | $168K |
| Long-term disability | GUARDIAN | 373 | $168K |
| Other | GUARDIAN | 373 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.