| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEXCAP CONCORD INSURANCE SERVICES3 Filed as: TEXCAP-CONCORD INS. SERVICES LP | 13465 MIDWAY ROAD NO 200 DALLAS, TX 75244 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 0.90% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 700 AIRPORT BLVD. SUITE 300 BURLINGGAME, CA 940101931 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 3.26% |
| TEXCAP CONCORD INSURANCE SERVICES3 | 13465 MIDWAY ROAD SUITE 200 LB9 DALLAS, TX 75244 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.99% |
| OPES ONE ADVISORS LLC3 | 15303 DALLAS PARKWAY SUITE 550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.07% |
| 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 | $4 | — | $4 | 0.01% |
| TEXCAP CONCORD INSURANCE SERVICES3 Filed as: TEXCAP CONCORD INS. SERVICES LP | 13465 MIDWAY ROAD SUITE 200 LB9 DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $2K | $723 | $3K | 9.89% |
| TEXCAP CONCORD INSURANCE SERVICES3 Filed as: TEXCAP CONCORD INS SERVICES LP | 13465 MIDWAY ROAD SUITE 200LB9 DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $8K | $325 | $9K | 64.32% |
| TEXCAP CONCORD INSURANCE SERVICES3 Filed as: TEXCAP CONCORD INS SERVICES LP | 13465 MIDWAY ROAD SUITE 200 LB9 DALLAS, TX 75244 | STANDARD INSURANCE COMPANY | $904 | $392 | $1K | 14.33% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 411 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 411 | $1.6M |
| Vision | STANDARD INSURANCE COMPANY | 0 | $9K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $68K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $38K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $38K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 411 | $1.6M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 292 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.