| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS DANCO3 Filed as: THOMAS PETER DANCO | 11150 SANTA MONICA BOULEVARD SUITE 800 LOS ANGELES, CA 90025 | BLUE CROSS BLUE SHIELD OF TEXAS | $109K | $14 | $109K | 6.10% |
| EPSILYTE, LLC3 | 1330 LAKE ROBBINS DRIVE SUITE 200 THE WOODLANDS, TX 77380 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $1 | $1 | 0.00% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: EMPLOYERS BENEFIT GROUP, LLC | 11150 SANTA MONICA BOULEVARD SUITE 800 LOS ANGELES, CA 90025 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $0 | $51K | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $6K | $24K | 7.10% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | 422 WAUPONSEE STREET SUITE 455 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19K | $19K | 5.47% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 220 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $342K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $342K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $342K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $342K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $342K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 220 | $1.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.