| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUESANNE G GIBSON3 Filed as: SUESANNE GAIL GIBSON | 1101 SEDAN ROAD WEIMAR, TX 78962 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $73K | $93K | 3.94% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $10K | $10K | 0.42% |
| SUESANNE G GIBSON3 Filed as: SUESANNE G. GIBSON | 1101 SEDAN ROAD WEIMAR, TX 78962 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.79% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 3508 FAR WEST BOULEVARD, SUITE 180 AUSTIN, TX 78731 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.20% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $2.4M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 66 | $59K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 66 | $59K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $2.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,061 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,061 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.