| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSCURANCE CENTER | 5151 SAN FELIPE STE 1800 HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | — | $40 | $40 | 0.00% |
| HELLAS CONSTRUCTION, INC.3 | 12000 WEST PARMER LANE AUSTIN, TX 78613 | BLUECROSS BLUESHIELD OF TEXAS | — | $18 | $18 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | DEARBORN LIFE INSURANCE COMPANY | $18K | — | $18K | 5.12% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 971 | $5.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 971 | $5.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 554 | $356K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 554 | $356K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 554 | $356K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 554 | $356K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 554 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.