| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TEXAS | $87K | — | $87K | 4.80% |
| U.S. RISK3 | 2050 WEST SAM HOUSTON PARKWAY S SUITE 1500 HOUSTON, TX 77042 | GREAT AMERICAN E & S INSURANCE COMPANY | $9K | — | $9K | 7.60% |
| EMPLOPYER'S COMP ASSOCIATES, INC.3 | 8641 5TH STREET SUITE 8 FRISCO, TX 75034 | GREAT AMERICAN E & S INSURANCE COMPANY | $7K | — | $7K | 5.88% |
| RISK & INSURANCE CONSULTANTS3 Filed as: RISK & INSURANCE CONSULTANTS, INC. | 5416 GLENRIDGE ROAD ATLANTA, GA 30342 | GREAT AMERICAN E & S INSURANCE COMPANY | $5K | — | $5K | 4.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.82% |
| RISK & INSURANCE CONSULTANTS3 | 5416 GLENRIDGE DRIVE ATLANTA, GA 30342 | ACE AMERICAN INSURANCE COMPANY | — | $30 | $30 | 0.21% |
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS, LLC | 2150 S. CENTRAL EXPRESSWAY SUITE H280 MCKINNEY, TX 75070 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $70 | — | $70 | 7.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SPECIAL INSURANCE SERVICES, INC. EIN 75-2195089 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $938 |
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 | 2,058 | 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) | 2,058 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 362 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 362 | $1.8M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 306 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $942 |
| Short-term disability | SPECIAL INSURANCE SERVICES, INC. | 918 | $938 |
| Other(4 contracts, 4 carriers) | GREAT AMERICAN E & S INSURANCE COMPANY | 2,058 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,058 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.