| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | BLUECROSS BLUESHIELD OF TEXAS | $51K | $671 | $52K | 5.19% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | UNKNOWN HOUSTON, TX 77073 | BLUECROSS BLUESHIELD OF TEXAS | $10K | $0 | $10K | 1.05% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | DEARBORN LIFE INSURANCE COMPANY | $13K | $6K | $19K | 18.58% |
| CARLISLE-LYNCH, LLC3 Filed as: CARLISLE LYNCH, LLC | 511 NORTH HEWITT DRIVE, SUTE 4 HEWITT, TX 76643 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 46.45% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 19.89% |
| RUTH T. GOTTNER3 | 12007 NORTH LAMAR BOULEVARD APARTMENT 212 AUSTIN, TX 78753 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 22.79% |
| MACK LAMBERT3 | 10200 LA COSTA DRIVE AUSTIN, TX 78747 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.85% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 174 | $1.0M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 174 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 135 | $104K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 142 | $160K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 135 | $104K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 135 | $104K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 174 | $1.0M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 142 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.