| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S. CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | RELIASTAR LIFE INSURANCE COMPANY | $129K | — | $129K | 30.29% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | RELIASTAR LIFE INSURANCE COMPANY | $22K | — | $22K | 5.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S. WACKER DRIVE SUITE 1800 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 3.20% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $5K | $23K | 13.32% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | VISION SERVICE PLAN | $1K | — | $1K | 5.01% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | MADISON NATIONAL LIFE | $4K | — | $4K | 18.00% |
| MGU UNDERWRITING FEE3 Filed as: MGU UNDEERWRITING FEE | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | MADISON NATIONAL LIFE | $1K | — | $1K | 5.51% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 11.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GDP ADVISORS LLC EIN 46-3749464 BROKER | Insurance agents and brokers Service code 22 | — | $219K |
| THE LOOMIS COMPANY CLAIMS PROCESSING | Claims processing Service code 12 | 850 N. PARK ROAD WYOMISSING, PA 19610 | $214K |
| FIRST HEALTH GROUP CORPORATION EIN 73-1590333 CLAIMS PROCESSING | Claims processing Service code 12 | — | $83K |
| MGU UNDERWRITING EIN 26-6943343 CLAIMS PROCESSING | Claims processing Service code 12 | — | $81K |
| INTEGRA EMPLOYER HEALTH DBA MAESTRO EIN 56-1392505 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $53K |
| HOURGLASS SYSTEMS INC. EIN 77-0495942 CLAIMS PROCESSING | Claims processing Service code 12 | — | $33K |
| TELADOC INC. EIN 04-3705970 CLAIMS PROCESSING | Claims processing Service code 12 | — | $29K |
| CIGNA EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $26K |
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 | 1,367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MADISON NATIONAL LIFE | 199 | $33K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $173K |
| Vision | VISION SERVICE PLAN | 107 | $25K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $173K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $173K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $173K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 140 | $435K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,292 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,292 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.