| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MCDONNELL3 Filed as: JOHN R MCDONNELL | 2301 SUGAR BUSH RD STE 600 RALEIGH, NC 27612 | BLUECROSS BLUESHIELD OF TEXAS | $127K | $61 | $127K | 2.22% |
| FLASHPARKING, INC.3 | 2500 BEE CAVES ROAD BLDG 3, STE 400 AUSTIN, TX 787466028 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $5 | $5 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD SUITE 600 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | $10K | $67K | 17.51% |
| UNKNOWN3 | — | DELTA DENTAL INSURANCE COMPANY | $15K | $0 | $15K | 4.59% |
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 | 485 | 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) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 861 | $5.7M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 907 | $713K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 786 | $442K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 485 | $385K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 485 | $385K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 485 | $385K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 485 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.