| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX) LLC | 1250 CAPITAL OF TEXAS HIGHWAY S AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $6K | $3K | $9K | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KEVIN L. BROWN | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX) LLC | 1250 CAPITAL OF TEXAS HIGHWAY S AUSTIN, TX 78746 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX) LLC | 1250 CAPITAL OF TEXAS HIGHWAY S SUITE 600 AUSTIN, TX 78746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 16.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $895 | — | $895 | 5.42% |
| KERI NORTON3 | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.47% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.10% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA ANNE LECIEJEWSKI | 1327 SPIRIT FALLS DRIVE FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX) LLC | 1250 CAPITAL OF TEXAS HIGHWAY S SUITE 600 AUSTIN, TX 78746 | UNITEDHEALTHCARE INSURANCE COMPANY | $360 | $0 | $360 | 3.60% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 187 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 187 | $1.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 208 | $22K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 208 | $22K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 28 | $10K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 187 | $1.3M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 208 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.