| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLS PARTNERS EMPLOYEE BENEFITS3 | 16000 NORTH DALLAS PARKWAY SUITE 325 DALLAS, TX 75248 | BLUECROSS BLUESHIELD OF TEXAS | $59K | — | $59K | 4.74% |
| TEXCAP CONCORD INSURANCE SERVICES3 | 13465 MIDWAY ROAD SUITE 200 LB9 DALLAS, TX 75244 | BLUECROSS BLUESHIELD OF TEXAS | $20K | — | $20K | 1.56% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3699 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B100 AUSTIN, TX 78746 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 14.62% |
| TEXCAP CONCORD INSURANCE SERVICES3 | 12404 PARK CENTRAL DRIVE SUITE 200-N DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.32% |
| OPES ONE ADVISORS LLC3 Filed as: OPES ONES ADVISORS LLC | 15303 DALLAS PARKWAY SUITE 550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.02% |
| CL SCOTT CORPORATE INSURANCE SVCS3 Filed as: CL SCOTT CORPORATE INSURANCE | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B100 AUSTIN, TX 78746 | HM LIFE INSURANCE COMPANY | $988 | — | $988 | 7.41% |
| TEXCAP CONCORD INSURANCE SERVICES3 | 13465 MIDWAY ROAD SUITE 200 DALLAS, TX 75244 | HM LIFE INSURANCE COMPANY | $346 | — | $346 | 2.59% |
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 | 148 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 332 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 332 | $1.3M |
| Vision | HM LIFE INSURANCE COMPANY | 163 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 49 | $39K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 49 | $39K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 49 | $39K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 332 | $1.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 49 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.