| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEMBER BENEFITS, INC.5 | 919 CONGRESS AVENUE, SUITE 720 AUSTIN, TX 78701 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $974K | $974K | 22.20% |
| MEMBER BENEFITS, INC.5 | 919 CONGRESS AVENUE SUITE 720 AUSTIN, TX 78701 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $231K | $231K | 22.25% |
| BUSINESS PLANNING, INC.5 Filed as: BUSINESS PLANNING CO | 7645 GATE PARKWAY, STE 101 JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.14% |
| MEMBER BENEFITS, INC.5 | 919 CONGRESS AVENUE, SUITE 720 AUSTIN, TX 78701 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $21K | $21K | 21.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WINSTEAD PC ATTORNEYS EIN 75-2404691 NONE | Legal Service code 29 | — | $29K |
| PADGETT STRATEMAN AND CO EIN 74-2652101 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| WORTHAM INSURANCE AND RISK MGMT. EIN 74-2590973 NONE | Insurance services Service code 23 | — | $11K |
| RUDD AND WISDOM, INC. EIN 74-1896655 NONE | Actuarial Service code 11 | — | $6K |
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 | 5,108 | 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) | 5,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 35 | $98K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,013 | $4.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,013 | $4.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,075 | $1.0M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,424 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,013 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.