| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY, INC | 301 CONGRESS AVENUE, SUITE 1000 AUSTIN, TX 78701 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $3K | $3K | 0.09% |
| THE NITSCHE GROUP INC3 | 143 EAST AUSTIN GIDDINGS, TX 78942 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 4.73% |
| LILJENWALL-KANE DBA THE FIN PR3 Filed as: LILJENWALL-KANE | 6836 AUSTIN CENTER BLVD, SUITE 280 AUSTIN, TX 78731 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 807 | $3.8M |
| Dental | HUMANA INSURANCE COMPANY | 305 | $168K |
| Vision | EYEMED VISION CARE | 513 | $35K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $357K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $357K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 807 | $3.8M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TEXAS | 807 | $3.8M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.