| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | BLUECROSS BLUESHIELD OF TEXAS | $92K | $0 | $92K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUECROSS BLUESHIELD OF TEXAS | $71K | $0 | $71K | 1.36% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 8.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 5.16% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $7K | $7K | 2.82% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.33% |
| KACY LAVENDER4 Filed as: KACY K. LAVENDER | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $652 | — | $652 | 5.44% |
| ALLIANT INSURANCE SERVICES, INC.4 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $513 | $0 | $513 | 4.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL TEXAS HIGHWAY SUITE 200 AUSTIN, TX 78746 | FEDERAL INSURANCE COMPANY | $249 | $4 | $253 | 20.34% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 821 | $5.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 821 | $5.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 359 | $56K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $260K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $260K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $260K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 821 | $5.2M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 370 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 821 | — |
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.