| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAP INSURANCE GROUP LLC3 | 15770 N DALLAS PKWY STE 600 DALLAS, TX 75248 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $84K | $0 | $84K | 3.77% |
| AMERICAP INSURANCE GROUP LLC3 | 15770 N DALLAS PKWY STE 600 DALLAS, TX 75248 | KAISER FOUNDATION HEALTH PLAN INC | $31K | $0 | $31K | 4.10% |
| AMERICAP INSURANCE GROUP LLC3 | 15770 N DALLAS PKWY STE 600 DALLAS, TX 75248 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $0 | $26K | 4.27% |
| AMERICAP INSURANCE GROUP LLC3 | 15770 N DALLAS PKWY STE 600 DALLAS, TX 75248 | UNITED CONCORDIA INSURANCE COMPANY | $61K | $0 | $61K | 15.64% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 499 | $3.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 615 | $393K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 499 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.