| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL PARTNERS INC3 Filed as: FINANCIAL PARTNERS | 2501 MONTGOMERY EAST PLACE WICHITA FALLS, TN 763083720 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | — | $32K | 7.52% |
| CENTRSSTONE INSURANCE AND FIANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511814 | PRINCIPAL LIFE INSURANCE COMPANY | — | $23K | $23K | 5.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.32% |
| GOOD TO GREAT HOLDINGS, LLC3 | 2501 MONTGOMERY EAST PLACE WICHITA FALLS, TX 763083720 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | — | $31K | 9.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 664173 DALLAS, TX 752664173 | PRINCIPAL LIFE INSURANCE COMPANY | — | $17K | $17K | 5.06% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 802 | $750K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 802 | $750K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 802 | $750K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 802 | $750K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 802 | $332K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 802 | $750K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.