| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGAR CARTER3 | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | BLUE CROSS BLUE SHIELD OF TEXAS | $117K | $7K | $124K | 5.16% |
| CHARLES A LAMBETH3 | 3817 CONSTITUTION DR SUITE 100 EL PASO, TX 79922 | AMERITAS LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.03% |
| EDGAR CARTER3 Filed as: EDGAR L. CARTER JR. | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | AMERITAS LIFE INSURANCE COMPANY | $956 | $0 | $956 | 0.75% |
| EDGAR CARTER3 | 5944 LUTHER LANE SUITE 307 DALLAS, TX 75225 | DEARBORN NATIONAL LIFE INSURANCE CO | $12K | $0 | $12K | 14.34% |
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 | 580 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 580 | $2.4M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 479 | $127K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 479 | $127K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 580 | $2.5M |
| Long-term disability(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 580 | $2.5M |
| Other | DEARBORN NATIONAL LIFE INSURANCE CO | 341 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.