| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCANALLY WILKINS INC3 | PO BOX 60810 MIDLAND, TX 79711 | HEALTH CARE SERVICE CORPORATION | $295K | — | $295K | 3.88% |
| MCANALLY WILKINS INC3 | PO BOX 60810 MIDLAND, TX 79711 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $43 | $52K | 13.80% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $153K | — | $153K | 47.30% |
| MCANALLY WILKINS INC3 | PO BOX 60810 MIDLAND, TX 79711 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $43 | $62K | 19.17% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | — | $48K | 41.87% |
| MCANALLY WILKINS INC3 | PO BOX 60810 MIDLAND, TX 79711 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $43 | $21K | 18.00% |
| MCANALLY WILKINS INC3 | PO BOX 60810 MIDLAND, TX 79711 | VISION SERVICE PLAN | $8K | — | $8K | 10.04% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $359 | — | $359 | 0.46% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 53.65% |
| MCANALLY WILKINS INC3 | PO BOX 60810 MIDLAND, TX 79711 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $43 | $13K | 21.18% |
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 | 647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,318 | $7.6M |
| Dental | HEALTH CARE SERVICE CORPORATION | 1,318 | $7.6M |
| Vision | VISION SERVICE PLAN | 501 | $79K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 939 | $377K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $324K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 939 | $377K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,315 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,318 | — |
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.
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.