| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN WACO, TX 76710 | CURATIVE INSURANCE COMPANY | $50K | $0 | $50K | 6.00% |
| FOUNDATION BENEFITS LLC3 Filed as: FOUNDATION BENEFITS | PO BOX 85 WEST, TX 76691 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | $0 | $38K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN ADMINISTRATORS, INC. | 9401 AMBERGLEN BOULVARD, SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $930 | $930 | 0.49% |
| HOME OFFICE TPA PAYS COMMISSION3 | 5900 O STREET LINCOLN, NE 68510 | RELIANCE MATRIX | $14K | $0 | $14K | 14.98% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 163 | $837K |
| Dental | RELIANCE MATRIX | 393 | $96K |
| Vision | RELIANCE MATRIX | 393 | $96K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $192K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $192K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $192K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 163 | $837K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.