| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERINS, LLC3 | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | BLUECROSS BLUESHIELD OF TEXAS | $23K | $0 | $23K | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF TEXAS | $16K | $2K | $17K | 1.72% |
| EXPERINS, LLC3 | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | DEARBORN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.05% |
| EXPERINS, LLC3 | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | SUPERIOR VISION PLAN OF TEXAS | $511 | $0 | $511 | 7.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | SUPERIOR VISION PLAN OF TEXAS | $189 | $0 | $189 | 2.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $353 | $138 | $491 | 7.57% |
| EXPERINS, LLC3 | 11211 TAYLOR DRAPER LANE, SUITE 110 AUSTIN, TX 78759 | SUN LIFE ASSURANCE COMPANY OF CANADA | $417 | $0 | $417 | 6.43% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 169 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 169 | $1.0M |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 81 | $7K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 144 | $69K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6 | $6K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 169 | $1.0M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 144 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.