| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EFG & M LP3 | UNKNOWN AUSTIN, TX 78717 | BLUECROSS BLUESHIELD OF TEXAS | $87K | $2K | $90K | 4.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX, LLC | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | DEARBORN LIFE INSURANCE COMPANY | $29K | $11K | $40K | 19.30% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $447 | $0 | $447 | 3.79% |
| THOMAS W. PARKER3 Filed as: THOMAS PARKER | 448 OAKBERRY DRIVE HEWITT, TX 76643 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | $0 | $253 | 2.15% |
| VANESSA DAVIS3 | 290 BOLTON CIRCLE WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | $0 | $176 | 1.49% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS SERVICES | 3712 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | $0 | $96 | 0.81% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SVCS | 1330 LAKE ROBBINS ROAD, SUITE 150 THE WOODLANDS, TX 77380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | $0 | $70 | 0.59% |
| ANITA MARTINEZ3 | 322 CRESTWIND DRIVE SAN ANTONIO, TX 78239 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.46% |
| DAVID BOYD SCHAFER3 Filed as: DAVID SCHAFER | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.29% |
| FOUNDATION BENEFITS LLC3 | PO BOX 85 WEST, TX 76691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 2.20% |
| THOMAS W. PARKER3 Filed as: THOMAS PARKER | 448 OAKBERRY DRIVE HEWITT, TX 76643 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 1.69% |
| WOODFOREST FINANCIAL SERVICES INC3 Filed as: WOODFOREST FINANCIAL SVCS | 1330 LAKE ROBBINS ROAD, SUITE 150 THE WOODLANDS, TX 77380 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 1.39% |
| CHARLIE MONEY INS SVCS INC3 Filed as: CHARLIE MONEY INS SERVICES | 3712 BARKWOOD LANE FRISCO, TX 75034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.73% |
| DAVID BOYD SCHAFER3 Filed as: DAVID SCHAFER | 3606 LAMESA DRIVE GARLAND, TX 75041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.73% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 293 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 293 | $2.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 330 | $208K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 330 | $208K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 330 | $208K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 330 | $208K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 293 | $2.1M |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 330 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
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.