| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | BLUECROSS BLUESHIELD OF TEXAS | — | $23K | $23K | 0.07% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $143K | $9K | $153K | 9.58% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | — | $77K | $77K | 5.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $38K | — | $38K | 2.47% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | DEARBORN LIFE INSURANCE COMPANY | $194K | — | $194K | 14.73% |
| COLLIN WHEATLEY3 Filed as: COLLIN HENDERSON LLC | 12837 LOUETTA RD SUITE 106 CYPRESS, TX 77429 | COMBINED INSURANCE COMPANY OF AMERICA | $94K | — | $94K | 17.99% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | COMBINED INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.62% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | SAFEGUARD HEALTH PLANS, INC | $2K | $100 | $2K | 8.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HSA BANK ADMINISTRATOR | Claims processing Service code 12 | 605 N 8TH ST SHEBOYGAN, WI 53801 | $41K |
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 | 4,047 | 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) | 4,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 3,717 | $31.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,047 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,047 | $1.6M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 3,473 | $1.3M |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 3,473 | $1.3M |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 3,473 | $1.3M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,664 | $1.5M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 3,473 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,047 | — |
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."
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.