| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 19 21 CONSULTANTS CO., LLC3 Filed as: 1921 CONSULTANTS CO LLC | 568 S BUSINESS IH 35 NEW BRAUNFELS, TX 78130 | CURATIVE INSURANCE COMPANY | $28K | — | $28K | 6.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.02% |
| 19 21 CONSULTANTS CO., LLC3 Filed as: 1921 CONSULTANTS CO LLC | 251 W SAN ANTONIO ST NEW BRAUNFELS, TX 78130 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $20K | — | $20K | 61.96% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CURATIVE INSURANCE COMPANY | 39 | $501K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $54K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $54K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $54K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 39 | $468K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.