| 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 | $0 | $1.4M | $1.4M | 26.93% |
| BUSINESS PLANNING CONCEPTS3 Filed as: BUSINESS PLANNING CONCEPTS INC | DBA MEMBER BENEFITS 10739 DEERWOOD PARK BLVD,STE 200-B JACKSONVILLE, FL 32256 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $200K | $200K | 3.87% |
| MEMBER BENEFITS, INC.5 | 919 CONGRESS AVENUE, SUITE 720 AUSTIN, TX 78701 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $296K | $296K | 29.87% |
| MEMBER BENEFITS, INC.5 | 919 CONGRESS AVENUE, SUITE 720 AUSTIN, TX 78701 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $111K | $111K | 21.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEMBER BENEFITS EIN 59-2442511 NONE | Insurance services Service code 23 | — | $73K |
| 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 | 7,066 | 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) | 7,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,266 | $5.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,215 | $5.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 851 | $991K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,266 | $521K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,266 | — |
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.