| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKCW LP3 | 2100 TRIMMIER ROAD, SUITE 100 KILLEEN, TX 76541 | BLUECROSS BLUESHIELD OF TEXAS | $49K | $15 | $49K | 3.82% |
| BIGHAM KLIEWER INSURANCE AGENCY3 Filed as: BIGHAM-KLIEWER INS. AGENCY, INC. | PO BOX 996 KILLEEN, TX 76540 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $4K | $31K | 15.58% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.75% |
| BKCW LP5 | PO BOX 996 KILLEEN, TX 76540 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.00% |
| 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 | $2K | $2K | 0.90% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 157 | $1.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $199K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $199K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $199K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $199K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $199K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 157 | $1.3M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 188 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.