| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIG BENEFIT CORP3 Filed as: BIG BENEFITCORP INC | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $819 | $15K | 4.57% |
| FOSTER BENEFIT RESOURCES INC3 | 14911 QUORUM DR STE 100 DALLAS, TX 75254 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 1.55% |
| BIG BENEFIT CORP3 | 12655 CENTRAL EXPY STE 810 DALLAS, TX 75243 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $27 | $4K | 11.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $781 | $2K | 6.40% |
| BRANDON PENKO3 | — | MEDMUTUAL PROTECT OF OHIO | $4K | $0 | $4K | 21.80% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN | — | MEDMUTUAL PROTECT OF OHIO | $0 | $2K | $2K | 11.74% |
| BIG BENEFIT CORP3 | — | MEDMUTUAL PROTECT OF OHIO | $1K | $0 | $1K | 6.17% |
| MEDMUTUAL PROTECT GROUP3 | — | MEDMUTUAL PROTECT OF OHIO | $0 | $616 | $616 | 3.34% |
| INSGROUP INC3 Filed as: INSGROUP LLC | — | MEDMUTUAL PROTECT OF OHIO | $94 | $0 | $94 | 0.51% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $330K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $39K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $39K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $39K |
| Other | MEDMUTUAL PROTECT OF OHIO | 127 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.