| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN S DENTON3 | 600 S TYLER ST STE 1401 AMARILLO, TX 79101 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 10.49% |
| LJL FINANCIAL GROUP LLC3 | 1300 SUMMIT AVE SUITE 800 FORT WORTH, TX 76102 | NORTHWESTERN MUTUAL | $721 | $86 | $807 | 1.60% |
| LARRY JASON LUCE3 | 1300 SUMMIT AVE SUITE 800 FORT WORTH, TX 76102 | NORTHWESTERN MUTUAL | $62 | $22 | $84 | 0.17% |
| CRUSE FNCL GROUP INC3 Filed as: CRUSE FINANCIAL GROUP, INC | 2 LINCOLN CENTRE # 1300 DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $62 | $7 | $69 | 0.14% |
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 | 73 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 73 | $50K |
| Long-term disability | NORTHWESTERN MUTUAL | 73 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.