| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT M. FISCHER3 | 318 SPRING HOLLOW NEW BRAUNFELS, TX 78132 | BLUECROSS BLUESHIELD OF TEXAS | $25K | $4K | $29K | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $20K | $0 | $20K | 0.95% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | BLUECROSS BLUESHIELD OF TEXAS | $12K | $0 | $12K | 0.57% |
| SCOTT M. FISCHER3 | 318 SPRING HOLLOW NEW BRAUNFELS, TX 78132 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 10.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $618 | $618 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $33 | $33 | 0.03% |
| SCOTT M. FISCHER3 | 318 SPRING HOLLOW NEW BRAUNFELS, TX 78132 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $0 | $9K | 6.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.89% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 509 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 509 | $2.3M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 225 | $127K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $131K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $131K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $131K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 509 | $2.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.