| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | BLUECROSS BLUESHIELD OF TEXAS | $4K | $1K | $5K | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | BLUECROSS BLUESHIELD OF TEXAS | — | $2K | $2K | 0.29% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $1K | — | $1K | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $2K | $684 | $3K | 14.78% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | P.O. BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $649 | — | $649 | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | P.O. BOX 95287 CHICAGO, IL 60694 | SUPERIOR VISION PLAN | $477 | — | $477 | 10.71% |
| BENEFITSOURCE INC3 | 1804 JUAN TABO NORTHEAST ALBUQUERQUE, NM 87112 | SUPERIOR VISION PLAN | $199 | — | $199 | 4.47% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 401 CONGRESS AVENUE AUSTIN, TX 78701 | SUPERIOR VISION PLAN | $129 | — | $129 | 2.90% |
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 | 107 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 142 | $662K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 142 | $662K |
| Vision | SUPERIOR VISION PLAN | 50 | $4K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 45 | $18K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 45 | $18K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 45 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
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.