| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | RELIASTAR LIFE INSURANCE COMPANY | $42K | — | $42K | 17.21% |
| ACRISURE LLC3 | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $8K | $27K | 14.34% |
| ACRISURE LLC3 | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | VISION SERVICE PLAN | $755 | — | $755 | 2.59% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | VISION SERVICE PLAN | $643 | — | $643 | 2.21% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | BEAZLEY INSURANCE COMPANY, INC. | $2K | — | $2K | 14.98% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | BEAZLEY INSURANCE COMPANY, INC. | $708 | — | $708 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GDP ADVISORS LLC EIN 46-3749464 BROKER | Insurance agents and brokers Service code 22 | — | $217K |
| THE LOOMIS COMPANY CLAIMS PROCESSING | Claims processing Service code 12 | 850 N. PARK ROAD WYOMISSING, PA 19610 | $179K |
| FIRST HEALTH GROUP CORPORATION EIN 73-1590333 CLAIMS PROCESSING | Claims processing Service code 12 | — | $76K |
| MGU UNDERWRITING EIN 26-6943343 CLAIMS PROCESSING | Claims processing Service code 12 | — | $68K |
| INTEGRA EMPLOYER HEALTH DBA MAESTRO EIN 56-1392505 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $46K |
| CIGNA EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $28K |
| HOURGLASS SYSTEMS INC. EIN 77-0495942 CLAIMS PROCESSING | Claims processing Service code 12 | — | $28K |
| TELADOC INC. EIN 04-3705970 CLAIMS PROCESSING | Claims processing Service code 12 | — | $24K |
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 | 1,975 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BEAZLEY INSURANCE COMPANY, INC. | 23 | $14K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $189K |
| Vision | VISION SERVICE PLAN | 109 | $29K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $189K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $189K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $189K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 149 | $577K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 952 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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."
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.