| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKCW LP3 Filed as: BKCW, LP | PO BOX 996 KILLEEN, TX 76540 | BLUECROSS BLUESHIELD OF TEXAS | $38K | $0 | $38K | 2.38% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 2950 NORTH HARWOOD STREET SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $20K | $0 | $20K | 1.26% |
| INSUROR OF TEXAS GENERAL AGENCY LTD3 | UNKNOWN AUSTIN, TX 78751 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $6K | $6K | 0.38% |
| BKCW LP3 Filed as: BKCW, LP | PO BOX 996 KILLEEN, PA 76540 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $15K | $37K | 14.85% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INSURANCE AGENCY, INC. | 2950 NORTH HARWOOD STREET SUITE 1200 DALLAS, PA 75201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.96% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.52% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 183 | $1.6M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $247K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $247K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $247K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $247K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $247K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 183 | $1.6M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 205 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.