| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKCW LP3 Filed as: BKCW L P | PO BOX 996 KILLEEN, TX 76540 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $3 | $3 | 0.00% |
| BKCW LP3 | PO BOX 996 KILLEEN, TX 76540 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.13% |
| BKCW LP3 | PO BOX 996 KILLEEN, TX 76540 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $0 | $616 | $616 | 3.41% |
| BARBARA AYRES WILSON4 | 782 HAVEN POINT LOOP NEW BRAUNFELS, TX 78132 | PRE-PAID LEGAL SERVICES, INC., DBA LEGAL SHIELD | $370 | $0 | $370 | 13.43% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 235 | $1.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $256K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $238K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $238K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $238K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 429 | $238K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 235 | $1.8M |
| Other(4 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 429 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.