| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURORS OF TEXAS3 Filed as: INSURORS INDEMNITY GENERAL AGENCY | P.O. BOX 2683 WACO, TX 76702 | BLUECROSS BLUESHIELD OF TEXAS | $114K | $158 | $115K | 2.41% |
| INSURORS OF TEXAS GENERAL AGENCY3 | 226 SOUTH 5TH STREET WACO, TX 76701 | BLUECROSS BLUESHIELD OF TEXAS | $4K | — | $4K | 0.08% |
| TEXAS FARM BUREAU3 | P.O. BOX 2689 WACO, TX 76702 | BLUECROSS BLUESHIELD OF TEXAS | — | $23 | $23 | 0.00% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS OF TEXAS GENL AGCY | 225 SOUTH 5TH STREET WACO, TX 76701 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.08% |
| INSURORS OF TEXAS GENERAL AGENCY IN3 | P.O. BOX 2683 WACO, TX 76702 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 10.00% |
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 | 834 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 258 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 977 | $8.5M |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 170 | $132K |
| Other(2 contracts, 2 carriers) | SCOTT & WHITE HEALTH PLAN | 834 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 977 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.