| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA ST, STE 200 MCKINNEY, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $76K | — | $76K | 11.10% |
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA ST, STE 200 MCKINNEY, TX 75251 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $49K | $171 | $49K | 15.05% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 5.34% |
| BEV CAP MANAGEMENT LLC3 Filed as: BEV CAP MANAGEMENT, LLC | 120 W VIRGINIA ST, STE 200 MCKINNEY, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 10.05% |
| ANBTX INSURANCE SERVICES, INC.3 Filed as: ANBTX INSURANCE SERVICES INC | 12400 COIT RD, STE 1100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | -$12 | — | -$12 | -0.01% |
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 | 1,161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,173 | $682K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 835 | $93K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,173 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,173 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,173 | $1.0M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,388 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,173 | — |
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.