| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAFE PROPERTY & CAUSALTY LP3 | 17738 PRESTON RD #101 DALLAS, TX 75252 | BLUE CROSS BLUE SHIELD OF TEXAS | $31K | — | $31K | 2.52% |
| HRO BENEFIT ADVISORS LLC3 Filed as: HRO BENEFIT ADVISORS | 700 ROCKMEAD DR STE 212 KINGWOOD, TX 77339 | BLUE CROSS BLUE SHIELD OF TEXAS | $31K | $0 | $31K | 2.52% |
| SAFE PROPERTY & CAUSALTY LP3 | 17738 PRESTON RD #101 DALLAS, TX 75252 | BLUE CROSS BLUE SHIELD OF TEXAS | $3K | — | $3K | 7.06% |
| HRO BENEFIT ADVISORS LLC3 | 700 ROCKMEAD DR STE 212 KINGWOOD, TX 77339 | BLUE CROSS BLUE SHIELD OF TEXAS | $3K | $0 | $3K | 7.06% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 154 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 154 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF TEXAS | 105 | $47K |
| Life insurance | BLUE CROSS BLUE SHIELD OF TEXAS | 105 | $47K |
| Long-term disability | BLUE CROSS BLUE SHIELD OF TEXAS | 105 | $47K |
| Other | BLUE CROSS BLUE SHIELD OF TEXAS | 105 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
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.