| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 33528 FORTH WORTH, TX 76162 | BLUECROSS BLUESHIELD OF TEXAS | $45K | $0 | $45K | 5.28% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SW, LLC | 4211 WEST BOY SCOUT BOULEVARD TAMPA, FL 33607 | BLUECROSS BLUESHIELD OF TEXAS | $16K | $0 | $16K | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $4K | $4K | 0.42% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY | PO BOX 225749 DALLAS, TX 75222 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.34% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SW, LLC | 4211 WEST BOY SCOUT BOULEVARD TAMPA, FL 33607 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.77% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD, NJ 07407 | DEARBORN LIFE INSURANCE COMPANY | $0 | $350 | $350 | 0.62% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | PO BOX 33528 FORTH WORTH, TX 76162 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 29.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $882 | $0 | $882 | 4.35% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | 15851 DALLAS PARKWAY ADDISON, TX 75001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $357 | $0 | $357 | 1.76% |
| TAILORED WORKSITE SERVICES3 Filed as: TAILORED WORKSITE SERVICES, LLC | 1802 LAKE MEADOWS COURT HOUSTON, TX 77077 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $267 | $0 | $267 | 1.32% |
| DOMINIC RODRIGUEZ3 | 2618 SWEETSTONE SPRINGS COURT CYPRESS, TX 77433 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $267 | $0 | $267 | 1.32% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 163 | $860K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 163 | $860K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 119 | $57K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 119 | $57K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 119 | $57K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 119 | $57K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 122 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
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.