| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 2001 BRYAN ST STE 800 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $44K | $1K | $45K | 5.87% |
| WM RIGGG CO3 | 421 W 3RD ST STE 800 FORT WORTH, TX 76102 | METROPOLITIAN LIFE INSURANCE COMPANY | $8K | $54 | $8K | 12.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | PO BOX 847746 DALLAS, TX 79902 | VISION SERVICE PLAN | $684 | — | $684 | 5.58% |
| WM RIGG CO3 | 421 W 3RD ST STE 800 FORT WORTH, TX 76102 | SAFEGUARD HEALTH PLANS, INC. TEXAS CORPORATION | $536 | $0 | $536 | 10.12% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 97 | $766K |
| Dental(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 252 | $68K |
| Vision | VISION SERVICE PLAN | 99 | $12K |
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 252 | $63K |
| Other | METROPOLITIAN LIFE INSURANCE COMPANY | 252 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.