| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MUND GROUP LTD3 Filed as: THE MUND GROUP | 256 WEST MILL NEW BRAUNFELS, TX 78130 | SKYWARD SPECIALTY INSURANCE | $69K | $0 | $69K | 15.00% |
| TAGCO ASSOCIATES LP3 | PO BOX 4133 BERGHEIM, TX 78004 | HARTFORD LIFE AND ACCIDENT | $37K | $0 | $37K | 15.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | EXPRESS SCRIPTS, INC. | $6K | $0 | $6K | 3.75% |
| THE MUND GROUP LTD3 | 256 WEST MILL STREET NEW BRAUNFELS, TX 78130 | TOKIO MARINE HCC | $5K | $0 | $5K | 10.00% |
| IMAGINE 360 ADMINISTRATORS, LLC3 | PO BOX 749075 DALLAS, TX 78130 | TOKIO MARINE HCC | $0 | $2K | $2K | 3.60% |
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 | 48 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 65 | $245K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 59 | $151K |
| Stop-loss / reinsurancereinsurance | SKYWARD SPECIALTY INSURANCE | 230 | $457K |
| Other | TOKIO MARINE HCC | 230 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.