| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAY HEALTH INSURANCE AGENCY, INC.5 Filed as: BAY BRIDGE ADMINISTRATORS LLC | PO BOX 161960 AUSTIN, TX 78716 | METROPOLITAN LIFE INSURANCE COMPANY | $373K | $49K | $421K | 19.45% |
| THE BOON INSURANCE AGENCY3 | 234 SPRING LAKE DRIVE ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $3K | $53K | 2.43% |
| BAY HEALTH INSURANCE AGENCY, INC.3 Filed as: BAY BRIDGE ADMINISTRATORS, LLC | PO BOX 161960 AUSTIN, TX 78716 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2, SUITE 600 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2, SUITE 600 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $158K | $0 | $158K | 12.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 15TH FLOOR DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $0 | $33K | 2.61% |
| THE NIA GROUP3 | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $11K | $11K | 0.84% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $6K | $11K | 0.83% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $153K | — | $153K | 12.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2, SUITE 600 AUSTIN, TX 78746 | AETNA LIFE INSURANCE COMPANY | $56K | $0 | $56K | 4.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS TX LLC | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2, SUITE 600 AUSTIN, TX 78746 | CHUBB - COMBINED INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 9.17% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | CHUBB - COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.83% |
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 | 3,632 | 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) | 3,632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,987 | $2.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 7,987 | $2.2M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,987 | $3.5M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,987 | $3.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,632 | $1.3M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,800 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,800 | — |
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.