| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEV CAP MANAGEMENT LLC3 | 120 W VIRGINIA ST, STE 200 MCKINNEY, TX 75069 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $112K | $26K | $138K | 18.47% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 2.86% |
| BEV CAP MANAGEMENT LLC3 Filed as: BEV CAP MANAGEMENT, LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $74K | $10K | $84K | 12.88% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $74K | — | $74K | 11.34% |
| BEV CAP MANAGEMENT LLC3 Filed as: BEV CAP MANAGEMENT, LLC | 120 W VIRGINIA ST, STE 200 MCKINNEY, TX 750694496 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 7.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 752314337 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.49% |
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 | 1,264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,014 | $107K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 2,181 | $649K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,014 | $107K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,480 | $746K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,480 | $746K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,480 | $746K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 0 | $693K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,480 | $746K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,181 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.