| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| U.S. RIXK, INC.3 | 2050 WEST SAM HOUSTON PKWY SOUTH SUITE 1500 HOUSTON, TX 77042 | CONVEX INSURANCE UK LIMITED | $28K | — | $28K | 12.50% |
| ACRISURE LLC3 | 2150 S. CENTRAL EXPRESSWAY, SUITE 2 MCKINNEY, TX 75070 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $8K | $24K | 18.77% |
| U.S. RISK3 Filed as: U.S. RISK, INC. | — | GREAT AMERICAN E & S INSURANCE COMPANY | $2K | — | $2K | 20.01% |
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 | 2,115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $127K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $127K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $127K |
| Other(3 contracts, 3 carriers) | CONVEX INSURANCE UK LIMITED | 2,129 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,129 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.