| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT3 Filed as: ALLEGIANCE BENEFIT MANAGEMENT | — | COMPANION LIFE | $93K | — | $93K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION P.O. BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 9.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY SUITE 505 SAN ANTONIO, TX 78214 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 4.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | COMMUNITY EYE CARE, LLC | $3K | — | $3K | 13.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MGMT, INC. EIN 81-0400550 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $60K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $6K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $3K |
| INTERMOUNTAIN UNDERWRITERS, INC. EIN 81-0425785 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $0 |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE, LLC | 466 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 167 | $242K |
| Short-term disability | STANDARD INSURANCE COMPANY | 167 | $242K |
| Long-term disability | STANDARD INSURANCE COMPANY | 167 | $242K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 106 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.