| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIG BENEFIT CORP3 | — | BLUECROSS BLUESHIELD OF TEXAS | $452K | $8K | $460K | 6.36% |
| BIG BENEFIT CORP3 Filed as: BIG BENEFITCORP INC | 12270 MERIT DR STE 100 DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $8K | $86K | 7.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $13K | $69K | 5.99% |
| GARY COOK5 | PO BOX 742675 DALLAS, TX 75374 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $0 | $65K | 5.65% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.28% |
| BIG BENEFIT CORP3 | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | METLIFE LEGAL PLANS | $670 | $0 | $670 | 5.24% |
| BIG BENEFIT CORP3 | 12770 MERIT DRIVE STE 100 DALLAS, TX 75251 | METLIFE LEGAL PLANS | $630 | $0 | $630 | 4.93% |
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 | 1,127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,261 | $7.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,153 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,153 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,153 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,153 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,153 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,153 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,153 | — |
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.