| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUP LLC | 21805 FIELD PKWY STE 300 DEER PARK, IL 60010 | BLUE CROSS BLUE SHIELD OKLAHOMA | $35K | $4K | $39K | 2.21% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73083 | BLUE CROSS BLUE SHIELD OKLAHOMA | $35K | $3K | $37K | 2.10% |
| DREW M SMITH, INC3 | P.O. BOX 6303 EDMOND, OK 73013 | DELTA DENTAL | $10K | $10K | $19K | 11.84% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUP LLC | 21805 FIELD PKWY STE 300 DEER PARK, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.95% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUP LLC | 21805 FIELD PKWY STE 300 DEER PARK, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OKLAHOMA | 234 | $1.8M |
| Dental | DELTA DENTAL | 170 | $164K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 371 | $72K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 371 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 371 | $72K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.