| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DGS BENEFITS GROUP LLC3 | 12221 MERIT DRIVE SUITE 1015 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $120K | — | $120K | 4.12% |
| DGS BENEFITS GROUP LLC3 | 12221 MERIT DRIVE SUITE 1015 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $47K | $6K | $53K | 14.29% |
| DSG BENEFITS GROUP LLC3 Filed as: DSG BENEFITS GROUP, LLC | 12221 MERIT DR. STE 1015 DALLAS, TX 752513100 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 13.36% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 548 | $2.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $371K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $371K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $379K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $371K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $371K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.