| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERINS, LLC3 Filed as: EXPERINS LLC | 11211 TAYLOR DRAPER LN STE 110 AUSTIN, TX 78759 | BLUE CROSS BLUE SHIELD OF TEXAS | $134K | $3K | $137K | 6.09% |
| EXPERINS, LLC3 Filed as: EXPERINS | 11211 TAYLOR DRAPER LN STE 110 AUSTIN, TX 78759 | DEARBORN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 14.07% |
| EXPERINS, LLC3 Filed as: EXPERINS LLC | 11211 TAYLOR DRAPER LN STE 110 AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $42 | $2K | 13.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $63 | $1K | 9.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE APT 1400 BIRINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $658 | $0 | $658 | 4.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.27% |
| EXPERINS, LLC3 Filed as: EXPERINS | 11211 TAYLOR DRAPER LN STE 110 AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $42 | $2K | 13.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78126 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $63 | $1K | 9.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $528 | $0 | $528 | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.26% |
| EXPERINS, LLC3 Filed as: EXPERINS LLC | 11211 TAYLOR DRAPER LN STE 110 AUSTIN, TX 78759 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $42 | $1K | 13.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $63 | $1K | 9.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $373 | $0 | $373 | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $28 | $28 | 0.25% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 385 | $2.3M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 385 | $2.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 312 | $190K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 312 | $190K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 312 | $190K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 312 | $190K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 312 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.