| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY, STE 295 DALLAS, TX 75240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | $0 | $60K | 12.66% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH STREET, STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$981 | $22K | $21K | 4.38% |
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY, STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.02% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $234 | $234 | 0.97% |
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY, STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $637 | $3K | 19.79% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $123 | $123 | 0.93% |
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY, STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $684 | $3K | 27.35% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $132 | $132 | 1.03% |
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY, STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $457 | $2K | 20.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $88 | $88 | 0.99% |
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY, STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $483 | $224 | $707 | 14.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.89% |
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY, STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $316 | $215 | $531 | 16.80% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH RD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $42 | $42 | 1.33% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $476K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $13K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $476K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.