| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES | — | BLUECROSS BLUESHIELD OF TEXAS | $86K | — | $86K | 6.35% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $486 | $5K | 22.33% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $317 | — | $317 | 1.76% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $514 | $3K | 17.96% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $320 | $2K | 17.21% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $350 | $2K | 17.84% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $231 | $231 | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORHTSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 6.69% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 264 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 264 | $1.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 127 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $12K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $14K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.