| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALMER INSURANCE GROUP INC3 | 481 N RESLER DRIVE STE D EL PASO, TX 79912 | BLUE CROSS BLUE SHIELD OF TEXAS | $9K | $387 | $10K | 3.66% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 1ST AVE S 5TH FLR ST PETERSBURG, FL 337014200 | BLUE CROSS BLUE SHIELD OF TEXAS | $2K | — | $2K | 0.88% |
| BALMER INSURANCE GROUP INC3 | 481 N RESLER DR STE D EL PASO, TX 799122742 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.44% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 21.90% |
| WALLACE WELCH & WILLINGHAM INC3 | 300 FIRST AVENUE SOUTH FIFTH FLOOR ST. PETERSBURG, FL 33701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.26% |
| SCOTT REYNOLDS3 | 423 TROON CIRCLE DAVENPORT, FL 33897 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $311 | — | $311 | 2.14% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 52 | $269K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 73 | $16K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 55 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.