| 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 | $260K | $4K | $264K | 2.56% |
| TEXAS FARM BUREAU3 | PO BOX 2689 WACO, TX 76702 | BLUECROSS BLUESHIELD OF TEXAS | $13 | — | $13 | 0.00% |
| INSURORS OF TEXAS GENERAL AGENCY3 | 225 SOUTH 5TH STREET WACO, TX 76701 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 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 | 838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 176 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 288 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,789 | $10.8M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 267 | $212K |
| Other(2 contracts, 2 carriers) | BAYLORSCOTT & WHITE HEALTH | 838 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,789 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.