| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LEHMAN COMPANY3 | 1417 HEIGHTS BLVD HOUSTON, TX 77008 | UNITED HEALTHCARE INSURANCE COMPANY | $136K | — | $136K | 6.39% |
| GEORGE FRANKLIN LEHMAN3 Filed as: GEORGE LEHMAN | 1417 HEIGHTS BLVD HOUSTON, TX 77008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $71K | — | $71K | 19.15% |
| GEORGE FRANKLIN LEHMAN3 Filed as: GEORGE F. B. LEHMAN III | 1417 HEIGHTS BLVD HOUSTON, TX 77008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $5K | — | $5K | 9.97% |
| GEORGE FRANKLIN LEHMAN3 Filed as: GEORGE F. LEHMAN | 1417 HEIGHTS BLVD HOUSTON, TX 77008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.74% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP | ELEVEN GREENWAY PLAZA STE 2700 HOUSTON, TX 77046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.03% |
| GEORGE FRANKLIN LEHMAN3 Filed as: GEORGE F. LEHMAN III | 1417 HEIGHTS BLVD HOUSTON, TX 77008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $194K |
| GEORGE F. B. LEHMAN III BROKER | Other commissions Service code 55 | 1417 HEIGHTS BLVD HOUSTON, TX 77008 | $20K |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 426 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $51K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 718 | $52K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 485 | $371K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 485 | $371K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 485 | $371K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 426 | $2.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 485 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.