| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEANEY GROUP LLC3 Filed as: HEANEY GROUP, LLC | 1050 WILCREST DR. HOUSTON, TX 77042 | BLUECROSS BLUESHIELD OF TEXAS | $20K | $0 | $20K | 3.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY., STE. 300 OKLAHOMA CITY, OK 73142 | BLUECROSS BLUESHIELD OF TEXAS | $3K | — | $3K | 0.61% |
| HEANEY GROUP LLC3 | 5702 4TH ST KATY, TX 77493 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 12.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY., STE. 300 OKLAHOMA CITY, OK 73142 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $54 | $1K | 2.30% |
| HEANEY GROUP LLC3 | 5702 4TH ST KATY, TX 77493 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY., STE. 300 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $697 | $35 | $732 | 2.44% |
| HEANEY GROUP LLC3 | 5702 4TH ST KATY, TX 77493 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY., STE. 300 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $500 | $25 | $525 | 2.22% |
| HEANEY GROUP LLC3 | 5702 4TH ST KATY, TX 77493 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | 4811 GAILLARDIA PKWY., STE. 300 OKLAHOMA CITY, OK 73142 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $298 | — | $298 | 2.07% |
| HEANEY GROUP LLC3 | 5702 4TH ST KATY, TX 77493 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 13.64% |
| HEANEY GROUP LLC3 | 5702 4TH ST KATY, TX 77493 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 14.89% |
| HEANEY GROUP LLC3 | 5702 4TH ST KATY, TX 77493 | UNUM INSURANCE COMPANY | $927 | — | $927 | 14.72% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 119 | $541K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 119 | $591K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 89 | $50K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $24K |
| Other(7 contracts, 3 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 130 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.