| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN MARIE BARRY3 Filed as: LYNN ASAD | — | HEALTH CARE SERVICE CORPORATION | $44K | — | $44K | 2.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | — | HEALTH CARE SERVICE CORPORATION | $20K | — | $20K | 1.19% |
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS, LTD. | — | HEALTH CARE SERVICE CORPORATION | $13K | — | $13K | 0.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | — | HEALTH CARE SERVICE CORPORATION | $5K | — | $5K | 0.29% |
| ALEAF INSURANCE AGENCY, INC.3 | 8668 JOHN HICKMAN PKWY STE 901 FRISCO, TX 75034 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.09% |
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS, LTD. | 3221 COLLINSWORTH STREET FORT WORTH, TX 76017 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.09% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 248 | $1.7M |
| Dental | HEALTH CARE SERVICE CORPORATION | 248 | $1.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 183 | $52K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 183 | $52K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 248 | $1.7M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 183 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.