| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL ANDREW RIVERA3 Filed as: MICHAEL ANDREW FIVERA | 13201 NW FWY STE 265 HOUSTON, TX 77040 | BLUECROSS BLUESHIELD OF TEXAS | $28K | — | $28K | 4.46% |
| DIGITAL INSURANCE LLC5 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TEXAS | $3K | — | $3K | 0.43% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 77040 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.27% |
| DIGITAL INSURANCE LLC5 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $374 | — | $374 | 1.73% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 77040 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.58% |
| DIGITAL INSURANCE LLC5 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $466 | — | $466 | 2.42% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 77040 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.53% |
| DIGITAL INSURANCE LLC5 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $451 | — | $451 | 2.48% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 77040 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.58% |
| DIGITAL INSURANCE LLC5 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $411 | $0 | $411 | 2.42% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 77040 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $478 | — | $478 | 8.28% |
| DIGITAL INSURANCE LLC5 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $99 | — | $99 | 1.72% |
| MICHAEL ANDREW RIVERA3 | 13201 NW FWY STE 265 HOUSTON, TX 77040 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $569 | — | $569 | 12.33% |
| DIGITAL INSURANCE LLC5 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $123 | — | $123 | 2.66% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 108 | $632K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 63 | $22K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $6K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 37 | $18K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.