| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MUND GROUP LTD3 | 256 W MILL ST NEW BRAUNFELS, TX 78130 | BLUE CROSS BLUE SHIELD OF TEXAS | $40K | — | $40K | 4.72% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $15K | — | $15K | 11.25% |
| TEXAS AUTO DEALERS ASSOCIATION3 | 108 LAVACA STREET, STE 800 AUSTIN, TX 78701 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $4K | $4K | 3.12% |
| THE MUND GROUP LTD3 Filed as: THE MUND GROUP | 256 W MILL STREET NEW BRAUNFELS, TX 78130 | STARMOUNT LIFE INSURANCE COMPANY | $10K | — | $10K | 15.98% |
| GIS BENEFITS INC4 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $178 | $3K | 5.29% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| THE MUND GROUP LTD3 Filed as: THE MUND GROUP | 256 W MILL STREET NEW BRAUNFELS, TX 78130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.86% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $348 | $279 | $627 | 7.14% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $348 | $348 | 3.96% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 143 | $971K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 139 | $61K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 139 | $61K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $9K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 289 | $143K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 143 | $134K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 289 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.