| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 375 WARM SPRINGS ROAD, SUITE 201 LAS VEGAS, NV 89102 | BLUECROSS BLUESHIELD OF TEXAS | $13K | $0 | $13K | 4.24% |
| ASSUREDPARTNERS3 | 375 WARM SPRINGS ROAD, SUITE 201 LAS VEGAS, NV 89102 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $2K | $34K | 13.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $5K | $16K | 6.32% |
| ASSUREDPARTNERS3 | 375 WARM SPRINGS ROAD, SUITE 201 LAS VEGAS, NV 89102 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.53% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.62% |
| ASSUREDPARTNERS3 | 375 WARM SPRINGS ROAD, SUITE 201 LAS VEGAS, NV 89102 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $699 | $70 | $769 | 9.97% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $350 | $140 | $490 | 6.35% |
| ASSUREDPARTNERS3 | 375 WARM SPRINGS ROAD, SUITE 201 LAS VEGAS, NV 89102 | 90 DEGREE BENEFIT | $0 | $24K | $24K | — |
| R. J. GUARDS CONSULTING3 | UNKNOWN AUSTIN, TX 78758 | 90 DEGREE BENEFIT | $0 | $17K | $17K | — |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 121 | $386K |
| Dental(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 856 | $576K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 856 | $260K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 856 | $260K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 856 | $260K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 856 | $260K |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 121 | $386K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 856 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.
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.