| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS-HA GROUP | UNKNOWN AUSTIN, TX 78703 | BLUE CROSS BLUE SHIELD OF TEXAS | $45K | $0 | $45K | 4.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | BLUE CROSS BLUE SHIELD OF TEXAS | $10K | $0 | $10K | 0.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN AUSTIN, TX 78703 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $2K | $2K | 0.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | UNKNOWN AUSTIN, TX 78703 | BLUE CROSS BLUE SHIELD OF TEXAS | $41 | $0 | $41 | 0.00% |
| UNKNOWN3 | UNKNOWN AUSTIN, TX 78703 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.20% |
| LOCKTON COMPANIES, LLC2 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KEVIN BROWN | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | DEARBORN LIFE INSURANCE COMPANY | $691 | $0 | $691 | 2.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 7600-C NORTH CAPITAL OF TEXAS HWY. AUSTIN, TX 78731 | UNITEDHEALTHCARE INSURANCE COMPANY | $609 | $0 | $609 | 2.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | UNITEDHEALTHCARE INSURANCE COMPANY | $188 | $0 | $188 | 0.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, SUITE 200 DALLAS, TX 75201 | UNITEDHEALTHCARE INSURANCE COMPANY | $83 | $0 | $83 | 0.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 17.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $682 | $0 | $682 | 5.79% |
| KERI NORTON3 | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | $0 | $158 | 1.34% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA LECIEJEWSKI | 1327 SPIRIT FALLS DRIVE FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.17% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 207 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 207 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 253 | $30K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 253 | $30K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 36 | $27K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 207 | $1.1M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 253 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
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.