| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ESPTX3 | 2209 PARKSVILLE WAY CEDAR PARK, TX 78613 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | — | $27K | 6.00% |
| ESPTX3 Filed as: ESPTX LLC | 2209 PARKSVILLE WAY CEDAR PARK, TX 786136939 | AMERITAS LIFE INSURANCE CORP. | $16K | $5K | $21K | 13.77% |
| STRATEGIC BENEFITS3 | 2893 EXECUTIVE PARK DRIVE SUITE 118 WESTON, FL 333313666 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 4.79% |
| NATIONAL MGA INSURANCE ALLIANCE INC3 Filed as: NATIONAL MGA INSURANCE ALLIANCE,INC | 405 W JEFFERSON STREET BROWNSVILLE, TX 785206221 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 2.60% |
| ESPTX3 | 2209 PARKSVILLE WAY CEDAR PARK, TX 78613 | HEALTH OPTIONS, INC. | $264 | — | $264 | 5.01% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 116 | $448K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 341 | $150K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 341 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.