| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPROCK HEALTHPLANS5 Filed as: CAPROCK HEALTH PLANS | 4401 82ND ST, SUITE 1200 LUBBOCK, TX 79424 | COMPANION LIFE | $12K | $93K | $105K | 30.73% |
| INSURORS OF TEXAS3 | 225 S. 5TH STREET WACO, TX 76701 | COMPANION LIFE | $48K | — | $48K | 13.97% |
| INSURORS OF TEXAS GENERAL AGENCY3 Filed as: INSURORS OF TEXAS GENERAL AGENT | 225 SOUTH 5TH STREET WACO, TX 76791 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 13.78% |
| INSURORS OF TEXAS GENERAL AGENCY Filed as: INSURORS LIFE & HEALTH | 225 SOUTH 5TH STREET WACO, TX 76791 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 3.43% |
| CAPROCK HEALTHPLANS5 Filed as: CAPROCK HEALTH PLANS | 4401 82ND ST. SUITE 1200 LUBBOCK, TX 79424 | NATIONAL UNION FIRE INSURANCE | $2K | — | $2K | 9.98% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $206K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $206K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $206K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $206K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 190 | $343K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
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.